Call reports 2017
STATE BANK OF ST. JACOB — 2017
What STATE BANK OF ST. JACOB reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 60,728,000 | 60,689,000 | 61,218,000 | 59,895,000 |
| Total loans | 23,348,000 | 23,926,000 | 26,400,000 | 25,796,000 |
| Allowance for loan losses | 534,000 | 538,000 | 569,000 | 613,000 |
| Securities available for sale | 20,129,000 | 19,098,000 | 18,047,000 | 18,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,300,000 | 50,990,000 | 51,023,000 | 50,055,000 |
| Interest-bearing deposits | 38,273,000 | 38,378,000 | 38,987,000 | 38,190,000 |
| Noninterest-bearing deposits | 13,028,000 | 12,611,000 | 12,036,000 | 11,864,000 |
| Equity capital | 9,085,000 | 9,358,000 | 9,845,000 | 9,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 432,000 | 882,000 | 1,358,000 | 1,862,000 |
| Interest expense | 37,000 | 73,000 | 110,000 | 150,000 |
| Net interest income | 395,000 | 809,000 | 1,248,000 | 1,712,000 |
| Noninterest income | 44,000 | 89,000 | 445,000 | 484,000 |
| Noninterest expense | 214,000 | 452,000 | 696,000 | 1,063,000 |
| Provision for loan losses | 60,000 | 60,000 | 125,000 | 175,000 |
| Pretax income | 165,000 | 386,000 | 872,000 | 958,000 |
| Income tax | 1,000 | 1,000 | 3,000 | 5,000 |
| Net income | 164,000 | 385,000 | 869,000 | 953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,117,000 | 9,358,000 | 9,845,000 | 9,505,000 |
| Total capital | 9,509,000 | 9,753,000 | 10,258,000 | 9,907,000 |
| Risk-weighted assets | 31,094,000 | 31,499,000 | 32,912,000 | 32,026,000 |