Call reports 2022
STATE BANK OF ST. JACOB — 2022
What STATE BANK OF ST. JACOB reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 88,379,000 | 86,103,000 | 84,837,000 | 84,504,000 |
| Total loans | 36,930,000 | 41,049,000 | 43,315,000 | 44,836,000 |
| Allowance for loan losses | 1,183,000 | 1,187,000 | 1,246,000 | 1,318,000 |
| Securities available for sale | 33,218,000 | 32,110,000 | 30,128,000 | 29,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,132,000 | 76,128,000 | 75,124,000 | 74,910,000 |
| Interest-bearing deposits | 57,765,000 | 53,402,000 | 53,142,000 | 51,448,000 |
| Noninterest-bearing deposits | 20,368,000 | 22,726,000 | 21,982,000 | 23,462,000 |
| Equity capital | 10,132,000 | 9,851,000 | 9,256,000 | 9,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 603,000 | 1,280,000 | 2,002,000 | 2,752,000 |
| Interest expense | 55,000 | 105,000 | 166,000 | 263,000 |
| Net interest income | 548,000 | 1,175,000 | 1,836,000 | 2,489,000 |
| Noninterest income | 35,000 | 69,000 | 106,000 | 138,000 |
| Noninterest expense | 240,000 | 503,000 | 803,000 | 1,254,000 |
| Provision for loan losses | 0 | 0 | 250,000 | 350,000 |
| Pretax income | 343,000 | 741,000 | 889,000 | 1,023,000 |
| Income tax | 45,000 | 74,000 | 89,000 | 89,000 |
| Net income | 298,000 | 667,000 | 800,000 | 934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,625,000 | 11,844,000 | 11,819,000 | 11,881,000 |