Call reports 2024
STATE BANK OF ST. JACOB — 2024
What STATE BANK OF ST. JACOB reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 84,279,000 | 86,201,000 | 84,423,000 | 88,646,000 |
| Total loans | 47,934,000 | 47,830,000 | 48,478,000 | 47,639,000 |
| Allowance for loan losses | 1,427,000 | 1,190,000 | 1,298,000 | 1,256,000 |
| Securities available for sale | 23,169,000 | 22,199,000 | 21,461,000 | 18,922,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,747,000 | 74,533,000 | 72,275,000 | 76,588,000 |
| Interest-bearing deposits | 53,879,000 | 55,865,000 | 53,980,000 | 53,418,000 |
| Noninterest-bearing deposits | 18,868,000 | 18,668,000 | 18,295,000 | 23,170,000 |
| Equity capital | 11,360,000 | 11,508,000 | 11,999,000 | 11,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 926,000 | 1,916,000 | 2,950,000 | 3,996,000 |
| Interest expense | 240,000 | 504,000 | 771,000 | 1,052,000 |
| Net interest income | 686,000 | 1,412,000 | 2,179,000 | 2,944,000 |
| Noninterest income | 31,000 | 69,000 | 98,000 | 128,000 |
| Noninterest expense | 272,000 | 576,000 | 910,000 | 1,377,000 |
| Provision for loan losses | 125,000 | 425,000 | 825,000 | 1,050,000 |
| Pretax income | 320,000 | 480,000 | 542,000 | 645,000 |
| Income tax | 3,000 | 11,000 | 15,000 | 19,000 |
| Net income | 317,000 | 469,000 | 527,000 | 626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,882,000 | 12,862,000 | 12,856,000 | 12,795,000 |