Call reports 2020
STATE BANK OF ST. JACOB — 2020
What STATE BANK OF ST. JACOB reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 66,045,000 | 69,130,000 | 71,303,000 | 72,215,000 |
| Total loans | 29,179,000 | 29,307,000 | 30,126,000 | 31,527,000 |
| Allowance for loan losses | 730,000 | 839,000 | 913,000 | 944,000 |
| Securities available for sale | 18,541,000 | 18,783,000 | 20,391,000 | 21,557,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,830,000 | 57,578,000 | 59,568,000 | 60,797,000 |
| Interest-bearing deposits | 39,212,000 | 40,545,000 | 41,805,000 | 42,688,000 |
| Noninterest-bearing deposits | 15,618,000 | 17,033,000 | 17,763,000 | 18,109,000 |
| Equity capital | 11,018,000 | 11,363,000 | 11,545,000 | 11,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 595,000 | 1,188,000 | 1,791,000 | 2,383,000 |
| Interest expense | 82,000 | 160,000 | 233,000 | 301,000 |
| Net interest income | 513,000 | 1,028,000 | 1,558,000 | 2,082,000 |
| Noninterest income | 31,000 | 73,000 | 98,000 | 133,000 |
| Noninterest expense | 210,000 | 451,000 | 728,000 | 1,101,000 |
| Provision for loan losses | 0 | 100,000 | 175,000 | 250,000 |
| Pretax income | 334,000 | 550,000 | 753,000 | 864,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 331,000 | 544,000 | 744,000 | 852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,776,000 | 10,839,000 | 11,040,000 | 10,791,000 |
| Total capital | — | — | 11,460,000 | — |
| Risk-weighted assets | — | — | 33,114,000 | — |