Call reports 2009
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2009
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 28,865,000 | 28,390,000 | 28,559,000 | 28,609,000 |
| Total loans | 19,091,000 | 19,136,000 | 18,939,000 | 19,206,000 |
| Allowance for loan losses | 228,000 | 232,000 | 237,000 | 243,000 |
| Securities available for sale | 2,917,000 | 3,393,000 | 3,081,000 | 2,935,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,012,000 | 24,587,000 | 24,226,000 | 24,224,000 |
| Interest-bearing deposits | 23,510,000 | 21,996,000 | 21,334,000 | 21,486,000 |
| Noninterest-bearing deposits | 2,502,000 | 2,591,000 | 2,892,000 | 2,738,000 |
| Equity capital | 2,330,000 | 2,353,000 | 2,427,000 | 2,443,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 386,000 | 748,000 | 1,108,000 | 1,460,000 |
| Interest expense | 109,000 | 212,000 | 305,000 | 388,000 |
| Net interest income | 277,000 | 536,000 | 803,000 | 1,072,000 |
| Noninterest income | 62,000 | 122,000 | 183,000 | 256,000 |
| Noninterest expense | 264,000 | 568,000 | 850,000 | 1,160,000 |
| Provision for loan losses | 42,000 | 46,000 | 58,000 | 62,000 |
| Pretax income | 33,000 | 44,000 | 78,000 | 106,000 |
| Income tax | 6,000 | 6,000 | 6,000 | 1,000 |
| Net income | 27,000 | 38,000 | 72,000 | 105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,265,000 | 2,292,000 | 2,345,000 | 2,376,000 |
| Total capital | 2,493,000 | 2,524,000 | 2,580,000 | 2,610,000 |
| Risk-weighted assets | 18,934,000 | 18,984,000 | 18,818,000 | 18,748,000 |