Call reports 2007
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2007
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 25,988,000 | 26,672,000 | 26,245,000 | 26,729,000 |
| Total loans | 17,727,000 | 18,077,000 | 18,290,000 | 18,270,000 |
| Allowance for loan losses | 261,000 | 249,000 | 240,000 | 239,000 |
| Securities available for sale | 3,178,000 | 2,784,000 | 3,058,000 | 3,235,000 |
| Securities held to maturity | 84,000 | 84,000 | 85,000 | 85,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,409,000 | 23,983,000 | 23,427,000 | 23,720,000 |
| Interest-bearing deposits | 21,049,000 | 21,332,000 | 20,813,000 | 21,323,000 |
| Noninterest-bearing deposits | 2,360,000 | 2,651,000 | 2,614,000 | 2,397,000 |
| Equity capital | 2,086,000 | 2,055,000 | 2,128,000 | 2,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 420,000 | 821,000 | 1,262,000 | 1,689,000 |
| Interest expense | 186,000 | 370,000 | 548,000 | 716,000 |
| Net interest income | 234,000 | 451,000 | 714,000 | 973,000 |
| Noninterest income | 50,000 | 97,000 | 148,000 | 221,000 |
| Noninterest expense | 275,000 | 534,000 | 784,000 | 1,082,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 9,000 | 14,000 | 78,000 | 112,000 |
| Income tax | 0 | 0 | 20,000 | 29,000 |
| Net income | 9,000 | 14,000 | 58,000 | 83,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,102,000 | 2,095,000 | 2,149,000 | 2,183,000 |
| Total capital | 2,328,000 | 2,326,000 | 2,382,000 | 2,420,000 |
| Risk-weighted assets | 18,064,000 | 18,474,000 | 18,613,000 | 18,933,000 |