Call reports 2021
STATE BANK OF ST. JACOB — 2021
What STATE BANK OF ST. JACOB reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 77,154,000 | 78,207,000 | 81,571,000 | 86,689,000 |
| Total loans | 30,759,000 | 31,458,000 | 32,927,000 | 34,076,000 |
| Allowance for loan losses | 947,000 | 1,025,000 | 1,151,000 | 1,206,000 |
| Securities available for sale | 25,383,000 | 28,076,000 | 30,428,000 | 33,081,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,615,000 | 66,642,000 | 69,919,000 | 75,360,000 |
| Interest-bearing deposits | 45,015,000 | 46,195,000 | 50,436,000 | 53,647,000 |
| Noninterest-bearing deposits | 20,600,000 | 20,447,000 | 19,483,000 | 21,713,000 |
| Equity capital | 11,373,000 | 11,409,000 | 11,499,000 | 11,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 587,000 | 1,174,000 | 1,740,000 | 2,349,000 |
| Interest expense | 63,000 | 121,000 | 178,000 | 239,000 |
| Net interest income | 524,000 | 1,053,000 | 1,562,000 | 2,110,000 |
| Noninterest income | 31,000 | 63,000 | 104,000 | 146,000 |
| Noninterest expense | 214,000 | 458,000 | 744,000 | 1,146,000 |
| Provision for loan losses | 0 | 75,000 | 200,000 | 250,000 |
| Pretax income | 341,000 | 583,000 | 722,000 | 860,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 13,000 |
| Net income | 338,000 | 576,000 | 712,000 | 847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,127,000 | 11,215,000 | 11,351,000 | 11,326,000 |