Call reports 2015
STATE BANK OF ST. JACOB — 2015
What STATE BANK OF ST. JACOB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 57,140,000 | 55,037,000 | 59,250,000 | 60,123,000 |
| Total loans | 23,446,000 | 23,034,000 | 23,298,000 | 22,633,000 |
| Allowance for loan losses | 584,000 | 584,000 | 614,000 | 504,000 |
| Securities available for sale | 17,914,000 | 17,849,000 | 18,690,000 | 17,395,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,172,000 | 45,936,000 | 50,128,000 | 51,104,000 |
| Interest-bearing deposits | 37,604,000 | 35,909,000 | 40,377,000 | 40,172,000 |
| Noninterest-bearing deposits | 10,568,000 | 10,028,000 | 9,750,000 | 10,932,000 |
| Equity capital | 8,543,000 | 8,681,000 | 8,716,000 | 8,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 411,000 | 816,000 | 1,222,000 | 1,636,000 |
| Interest expense | 42,000 | 82,000 | 124,000 | 166,000 |
| Net interest income | 369,000 | 734,000 | 1,098,000 | 1,470,000 |
| Noninterest income | 46,000 | 89,000 | 131,000 | 175,000 |
| Noninterest expense | 195,000 | 390,000 | 677,000 | 1,063,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 100,000 |
| Pretax income | 220,000 | 433,000 | 452,000 | 482,000 |
| Income tax | 2,000 | 3,000 | 5,000 | 6,000 |
| Net income | 218,000 | 430,000 | 447,000 | 476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,460,000 | 8,650,000 | 8,650,000 | 8,608,000 |
| Total capital | 8,866,000 | 9,012,000 | 9,028,000 | 8,984,000 |
| Risk-weighted assets | 32,312,000 | 28,628,000 | 29,970,000 | 29,992,000 |