Call reports 2008
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2008
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 26,606,000 | 27,637,000 | 26,990,000 | 27,707,000 |
| Total loans | 18,788,000 | 18,903,000 | 19,161,000 | 19,421,000 |
| Allowance for loan losses | 240,000 | 221,000 | 221,000 | 224,000 |
| Securities available for sale | 2,730,000 | 2,567,000 | 2,497,000 | 2,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,358,000 | 24,623,000 | 24,104,000 | 24,632,000 |
| Interest-bearing deposits | 20,605,000 | 21,990,000 | 21,957,000 | 22,333,000 |
| Noninterest-bearing deposits | 2,753,000 | 2,633,000 | 2,147,000 | 2,299,000 |
| Equity capital | 2,262,000 | 2,192,000 | 2,244,000 | 2,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 474,000 | 875,000 | 1,285,000 | 1,669,000 |
| Interest expense | 147,000 | 281,000 | 416,000 | 536,000 |
| Net interest income | 327,000 | 594,000 | 869,000 | 1,133,000 |
| Noninterest income | 42,000 | 89,000 | 138,000 | 204,000 |
| Noninterest expense | 297,000 | 599,000 | 894,000 | 1,201,000 |
| Provision for loan losses | 0 | 47,000 | 47,000 | 47,000 |
| Pretax income | 72,000 | 37,000 | 66,000 | 89,000 |
| Income tax | 26,000 | 9,000 | 10,000 | 18,000 |
| Net income | 46,000 | 28,000 | 56,000 | 71,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,233,000 | 2,206,000 | 2,227,000 | 2,234,000 |
| Total capital | 2,470,000 | 2,427,000 | 2,448,000 | 2,458,000 |
| Risk-weighted assets | 18,962,000 | 19,194,000 | 18,944,000 | 19,023,000 |