Call reports 2012
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2012
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 28,621,000 | 29,401,000 | 28,313,000 | 28,721,000 |
| Total loans | 16,335,000 | 16,298,000 | 15,662,000 | 16,344,000 |
| Allowance for loan losses | 167,000 | 172,000 | 176,000 | 180,000 |
| Securities available for sale | 5,979,000 | 6,225,000 | 6,333,000 | 5,852,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,159,000 | 25,212,000 | 24,545,000 | 24,568,000 |
| Interest-bearing deposits | 21,327,000 | 21,828,000 | 21,069,000 | 21,023,000 |
| Noninterest-bearing deposits | 3,832,000 | 3,384,000 | 3,476,000 | 3,545,000 |
| Equity capital | 2,553,000 | 2,581,000 | 2,670,000 | 2,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 294,000 | 587,000 | 871,000 | 1,149,000 |
| Interest expense | 53,000 | 107,000 | 161,000 | 213,000 |
| Net interest income | 241,000 | 480,000 | 710,000 | 936,000 |
| Noninterest income | 58,000 | 118,000 | 173,000 | 241,000 |
| Noninterest expense | 266,000 | 571,000 | 816,000 | 1,098,000 |
| Provision for loan losses | 4,000 | 9,000 | 13,000 | 18,000 |
| Pretax income | 29,000 | 18,000 | 54,000 | 61,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 29,000 | 18,000 | 54,000 | 61,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,416,000 | 2,404,000 | 2,448,000 | 2,433,000 |
| Total capital | 2,583,000 | 2,576,000 | 2,624,000 | 2,613,000 |
| Risk-weighted assets | 17,007,000 | 16,977,000 | 16,348,000 | 17,061,000 |