Call reports 2013
STATE BANK OF ST. JACOB — 2013
What STATE BANK OF ST. JACOB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 55,326,000 | 54,861,000 | 56,537,000 | 58,088,000 |
| Total loans | 23,479,000 | 23,965,000 | 24,206,000 | 23,861,000 |
| Allowance for loan losses | 493,000 | 490,000 | 593,000 | 585,000 |
| Securities available for sale | 16,579,000 | 17,163,000 | 17,531,000 | 17,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,785,000 | 46,474,000 | 48,067,000 | 49,736,000 |
| Interest-bearing deposits | 37,849,000 | 37,845,000 | 38,723,000 | 39,127,000 |
| Noninterest-bearing deposits | 8,935,000 | 8,629,000 | 9,344,000 | 10,610,000 |
| Equity capital | 8,030,000 | 7,886,000 | 7,974,000 | 7,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 427,000 | 851,000 | 1,286,000 | 1,707,000 |
| Interest expense | 58,000 | 113,000 | 168,000 | 222,000 |
| Net interest income | 369,000 | 738,000 | 1,118,000 | 1,485,000 |
| Noninterest income | 41,000 | 107,000 | 147,000 | 195,000 |
| Noninterest expense | 181,000 | 400,000 | 654,000 | 1,015,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 100,000 |
| Pretax income | 229,000 | 445,000 | 511,000 | 565,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 4,000 |
| Net income | 228,000 | 443,000 | 508,000 | 561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,713,000 | 7,927,000 | 7,942,000 | 7,885,000 |
| Total capital | 8,045,000 | 8,262,000 | 8,286,000 | 8,232,000 |
| Risk-weighted assets | 26,395,000 | 26,644,000 | 27,298,000 | 27,517,000 |