Call reports 2025
STATE BANK OF ST. JACOB — 2025
What STATE BANK OF ST. JACOB reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 89,339,000 | 91,646,000 | 87,822,000 | 87,627,000 |
| Total loans | 46,556,000 | 44,916,000 | 43,726,000 | 42,308,000 |
| Allowance for loan losses | 1,344,000 | 1,454,000 | 1,500,000 | 1,371,000 |
| Securities available for sale | 16,801,000 | 15,039,000 | 13,450,000 | 11,236,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,828,000 | 78,668,000 | 74,757,000 | 73,839,000 |
| Interest-bearing deposits | 53,006,000 | 55,350,000 | 53,202,000 | 52,456,000 |
| Noninterest-bearing deposits | 23,822,000 | 23,318,000 | 21,555,000 | 21,383,000 |
| Equity capital | 12,381,000 | 12,851,000 | 12,935,000 | 13,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,062,000 | 2,178,000 | 3,292,000 | 4,373,000 |
| Interest expense | 273,000 | 534,000 | 792,000 | 1,047,000 |
| Net interest income | 789,000 | 1,644,000 | 2,500,000 | 3,326,000 |
| Noninterest income | 27,000 | 56,000 | 84,000 | 498,000 |
| Noninterest expense | 299,000 | 623,000 | 969,000 | 1,393,000 |
| Provision for loan losses | 200,000 | 350,000 | 800,000 | 800,000 |
| Pretax income | 317,000 | 727,000 | 815,000 | 1,631,000 |
| Income tax | 0 | 0 | -16,000 | -16,000 |
| Net income | 317,000 | 727,000 | 831,000 | 1,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,063,000 | 13,373,000 | 13,326,000 | 13,941,000 |