Call reports 2011
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2011
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 27,023,000 | 26,848,000 | 26,635,000 | 26,832,000 |
| Total loans | 17,498,000 | 17,519,000 | 17,271,000 | 16,696,000 |
| Allowance for loan losses | 229,000 | 198,000 | 220,000 | 163,000 |
| Securities available for sale | 5,684,000 | 4,271,000 | 4,836,000 | 4,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,362,000 | 23,289,000 | 22,901,000 | 23,095,000 |
| Interest-bearing deposits | 21,203,000 | 20,485,000 | 20,149,000 | 19,821,000 |
| Noninterest-bearing deposits | 2,159,000 | 2,804,000 | 2,752,000 | 3,274,000 |
| Equity capital | 2,465,000 | 2,569,000 | 2,608,000 | 2,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 323,000 | 647,000 | 967,000 | 1,270,000 |
| Interest expense | 63,000 | 126,000 | 186,000 | 242,000 |
| Net interest income | 260,000 | 521,000 | 781,000 | 1,028,000 |
| Noninterest income | 42,000 | 98,000 | 150,000 | 212,000 |
| Noninterest expense | 285,000 | 577,000 | 870,000 | 1,185,000 |
| Provision for loan losses | 4,000 | 9,000 | 34,000 | 63,000 |
| Pretax income | 13,000 | 75,000 | 70,000 | 35,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 3,000 |
| Net income | 12,000 | 73,000 | 67,000 | 32,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,405,000 | 2,476,000 | 2,470,000 | 2,382,000 |
| Total capital | 2,622,000 | 2,674,000 | 2,688,000 | 2,545,000 |
| Risk-weighted assets | 17,370,000 | 17,534,000 | 17,428,000 | 16,957,000 |