Call reports 2019
STATE BANK OF ST. JACOB — 2019
What STATE BANK OF ST. JACOB reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 66,117,000 | 65,979,000 | 65,080,000 | 66,670,000 |
| Total loans | 26,861,000 | 27,409,000 | 28,389,000 | 28,573,000 |
| Allowance for loan losses | 682,000 | 685,000 | 777,000 | 743,000 |
| Securities available for sale | 20,242,000 | 20,218,000 | 19,910,000 | 19,354,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,507,000 | 55,056,000 | 54,017,000 | 55,815,000 |
| Interest-bearing deposits | 41,039,000 | 41,588,000 | 40,395,000 | 41,142,000 |
| Noninterest-bearing deposits | 14,468,000 | 13,467,000 | 13,622,000 | 14,672,000 |
| Equity capital | 10,358,000 | 10,673,000 | 10,819,000 | 10,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 566,000 | 1,153,000 | 1,752,000 | 2,353,000 |
| Interest expense | 66,000 | 140,000 | 219,000 | 304,000 |
| Net interest income | 500,000 | 1,013,000 | 1,533,000 | 2,049,000 |
| Noninterest income | 27,000 | 62,000 | 95,000 | 131,000 |
| Noninterest expense | 225,000 | 479,000 | 813,000 | 1,196,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 100,000 |
| Pretax income | 302,000 | 596,000 | 715,000 | 884,000 |
| Income tax | 4,000 | 7,000 | 11,000 | 14,000 |
| Net income | 298,000 | 589,000 | 704,000 | 870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,386,000 | 10,526,000 | 10,640,000 | 10,446,000 |
| Total capital | 10,800,000 | 10,950,000 | 11,034,000 | 10,880,000 |
| Risk-weighted assets | 32,724,000 | 33,504,000 | 31,121,000 | 34,297,000 |