Call reports 2006
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2006
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 26,317,000 | 26,740,000 | 27,635,000 | 27,249,000 |
| Total loans | 16,987,000 | 17,357,000 | 18,836,000 | 18,032,000 |
| Allowance for loan losses | 266,000 | 266,000 | 264,000 | 263,000 |
| Securities available for sale | 4,300,000 | 3,924,000 | 3,859,000 | 3,761,000 |
| Securities held to maturity | 83,000 | 83,000 | 84,000 | 84,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,762,000 | 24,202,000 | 24,485,000 | 24,469,000 |
| Interest-bearing deposits | 21,288,000 | 21,656,000 | 21,883,000 | 21,761,000 |
| Noninterest-bearing deposits | 2,474,000 | 2,546,000 | 2,602,000 | 2,708,000 |
| Equity capital | 2,054,000 | 2,012,000 | 2,096,000 | 2,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 352,000 | 740,000 | 1,152,000 | 1,581,000 |
| Interest expense | 143,000 | 307,000 | 499,000 | 694,000 |
| Net interest income | 209,000 | 433,000 | 653,000 | 887,000 |
| Noninterest income | 44,000 | 116,000 | 167,000 | 226,000 |
| Noninterest expense | 248,000 | 538,000 | 796,000 | 1,067,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 5,000 | 11,000 | 24,000 | 46,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,000 | 11,000 | 24,000 | 46,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,107,000 | 2,103,000 | 2,129,000 | 2,152,000 |
| Total capital | 2,340,000 | 2,339,000 | 2,371,000 | 2,390,000 |
| Risk-weighted assets | 18,644,000 | 18,849,000 | 19,339,000 | 18,996,000 |