Call reports 2010
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2010
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 27,480,000 | 26,498,000 | 25,473,000 | 26,136,000 |
| Total loans | 18,363,000 | 18,320,000 | 17,492,000 | 17,627,000 |
| Allowance for loan losses | 246,000 | 248,000 | 220,000 | 224,000 |
| Securities available for sale | 3,836,000 | 3,626,000 | 3,253,000 | 3,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,017,000 | 22,735,000 | 21,221,000 | 22,668,000 |
| Interest-bearing deposits | 21,476,000 | 20,075,000 | 18,767,000 | 19,594,000 |
| Noninterest-bearing deposits | 2,541,000 | 2,660,000 | 2,454,000 | 3,074,000 |
| Equity capital | 2,459,000 | 2,528,000 | 2,551,000 | 2,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 338,000 | 677,000 | 1,002,000 | 1,317,000 |
| Interest expense | 80,000 | 150,000 | 212,000 | 276,000 |
| Net interest income | 258,000 | 527,000 | 790,000 | 1,041,000 |
| Noninterest income | 54,000 | 114,000 | 167,000 | 221,000 |
| Noninterest expense | 282,000 | 582,000 | 873,000 | 1,187,000 |
| Provision for loan losses | 4,000 | 9,000 | 14,000 | 18,000 |
| Pretax income | 26,000 | 50,000 | 70,000 | 57,000 |
| Income tax | 2,000 | 3,000 | 4,000 | 5,000 |
| Net income | 24,000 | 47,000 | 66,000 | 52,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,406,000 | 2,439,000 | 2,464,000 | 2,393,000 |
| Total capital | 2,631,000 | 2,662,000 | 2,678,000 | 2,611,000 |
| Risk-weighted assets | 17,980,000 | 17,794,000 | 17,077,000 | 17,466,000 |