Call reports 2005
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2005
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 25,351,000 | 25,138,000 | 24,825,000 | 25,451,000 |
| Total loans | 14,972,000 | 15,338,000 | 15,800,000 | 15,570,000 |
| Allowance for loan losses | 258,000 | 262,000 | 264,000 | 267,000 |
| Securities available for sale | 5,302,000 | 4,127,000 | 3,441,000 | 4,009,000 |
| Securities held to maturity | 656,000 | 653,000 | 623,000 | 83,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,689,000 | 21,980,000 | 21,545,000 | 22,889,000 |
| Interest-bearing deposits | 20,417,000 | 19,816,000 | 19,207,000 | 20,457,000 |
| Noninterest-bearing deposits | 2,272,000 | 2,164,000 | 2,338,000 | 2,432,000 |
| Equity capital | 2,079,000 | 2,117,000 | 2,096,000 | 2,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 305,000 | 613,000 | 920,000 | 1,239,000 |
| Interest expense | 88,000 | 184,000 | 297,000 | 424,000 |
| Net interest income | 217,000 | 429,000 | 623,000 | 815,000 |
| Noninterest income | 37,000 | 77,000 | 122,000 | 248,000 |
| Noninterest expense | 240,000 | 477,000 | 719,000 | 1,053,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 11,000 | 22,000 | 16,000 | -5,000 |
| Income tax | 0 | 12,000 | 2,000 | 0 |
| Net income | 11,000 | 10,000 | 14,000 | -5,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,130,000 | 2,136,000 | 2,133,000 | 2,112,000 |
| Total capital | 2,344,000 | 2,355,000 | 2,353,000 | 2,334,000 |
| Risk-weighted assets | 17,045,000 | 17,496,000 | 17,583,000 | 17,683,000 |