Call reports 2014
STATE BANK OF ST. JACOB — 2014
What STATE BANK OF ST. JACOB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 57,056,000 | 56,491,000 | 56,068,000 | 59,350,000 |
| Total loans | 23,125,000 | 23,694,000 | 24,434,000 | 23,380,000 |
| Allowance for loan losses | 585,000 | 559,000 | 608,000 | 593,000 |
| Securities available for sale | 19,177,000 | 19,183,000 | 19,104,000 | 19,051,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,490,000 | 47,787,000 | 47,325,000 | 50,683,000 |
| Interest-bearing deposits | 39,160,000 | 38,575,000 | 37,704,000 | 39,984,000 |
| Noninterest-bearing deposits | 9,330,000 | 9,212,000 | 9,622,000 | 10,698,000 |
| Equity capital | 8,089,000 | 8,235,000 | 8,291,000 | 8,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 413,000 | 829,000 | 1,258,000 | 1,684,000 |
| Interest expense | 50,000 | 100,000 | 150,000 | 199,000 |
| Net interest income | 363,000 | 729,000 | 1,108,000 | 1,485,000 |
| Noninterest income | 41,000 | 81,000 | 121,000 | 168,000 |
| Noninterest expense | 206,000 | 411,000 | 664,000 | 1,028,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 198,000 | 399,000 | 515,000 | 575,000 |
| Income tax | 3,000 | 5,000 | 7,000 | 9,000 |
| Net income | 195,000 | 394,000 | 508,000 | 566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,079,000 | 8,198,000 | 8,273,000 | 8,241,000 |
| Total capital | 8,416,000 | 8,537,000 | 8,620,000 | 8,587,000 |
| Risk-weighted assets | 26,748,000 | 26,934,000 | 27,482,000 | 27,438,000 |