Call reports 2016
STATE BANK OF ST. JACOB — 2016
What STATE BANK OF ST. JACOB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 57,948,000 | 57,357,000 | 60,616,000 | 58,661,000 |
| Total loans | 22,630,000 | 22,473,000 | 23,118,000 | 23,539,000 |
| Allowance for loan losses | 521,000 | 524,000 | 541,000 | 472,000 |
| Securities available for sale | 17,740,000 | 17,669,000 | 18,082,000 | 18,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,853,000 | 48,032,000 | 51,187,000 | 49,474,000 |
| Interest-bearing deposits | 38,651,000 | 37,275,000 | 39,815,000 | 36,974,000 |
| Noninterest-bearing deposits | 10,202,000 | 10,756,000 | 11,372,000 | 12,501,000 |
| Equity capital | 8,712,000 | 8,948,000 | 9,063,000 | 8,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 413,000 | 819,000 | 1,239,000 | 1,665,000 |
| Interest expense | 40,000 | 77,000 | 114,000 | 154,000 |
| Net interest income | 373,000 | 742,000 | 1,125,000 | 1,511,000 |
| Noninterest income | 41,000 | 81,000 | 124,000 | 170,000 |
| Noninterest expense | 213,000 | 458,000 | 714,000 | 1,085,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | 190,000 |
| Pretax income | 51,000 | 215,000 | 385,000 | 406,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 3,000 |
| Net income | 50,000 | 213,000 | 383,000 | 403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,658,000 | 8,821,000 | 8,989,000 | 8,951,000 |
| Total capital | 9,029,000 | 9,187,000 | 9,371,000 | 9,332,000 |
| Risk-weighted assets | 29,565,000 | 29,182,000 | 30,292,000 | 30,253,000 |