Call reports 2023
STATE BANK OF ST. JACOB — 2023
What STATE BANK OF ST. JACOB reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 86,904,000 | 85,573,000 | 83,476,000 | 82,264,000 |
| Total loans | 46,196,000 | 47,035,000 | 47,984,000 | 47,754,000 |
| Allowance for loan losses | 1,304,000 | 1,317,000 | 1,367,000 | 1,358,000 |
| Securities available for sale | 28,287,000 | 27,430,000 | 25,871,000 | 24,603,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,602,000 | 75,230,000 | 72,939,000 | 71,118,000 |
| Interest-bearing deposits | 55,061,000 | 55,113,000 | 53,480,000 | 52,806,000 |
| Noninterest-bearing deposits | 21,540,000 | 20,117,000 | 19,459,000 | 18,312,000 |
| Equity capital | 10,164,000 | 10,192,000 | 10,380,000 | 10,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 774,000 | 1,603,000 | 2,468,000 | 3,376,000 |
| Interest expense | 118,000 | 284,000 | 486,000 | 697,000 |
| Net interest income | 656,000 | 1,319,000 | 1,982,000 | 2,679,000 |
| Noninterest income | 31,000 | 62,000 | 97,000 | 135,000 |
| Noninterest expense | 259,000 | 559,000 | 914,000 | 1,366,000 |
| Provision for loan losses | 0 | 75,000 | 200,000 | 200,000 |
| Pretax income | 428,000 | 747,000 | 965,000 | 1,248,000 |
| Income tax | 2,000 | 10,000 | 14,000 | 17,000 |
| Net income | 426,000 | 737,000 | 951,000 | 1,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,207,000 | 12,345,000 | 12,548,000 | 12,566,000 |