Call reports 2013
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2013
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 30,822,000 | 28,822,000 | 28,598,000 | 29,082,000 |
| Total loans | 15,214,000 | 15,179,000 | 15,735,000 | 17,037,000 |
| Allowance for loan losses | 181,000 | 187,000 | 188,000 | 192,000 |
| Securities available for sale | 6,774,000 | 6,633,000 | 6,316,000 | 6,013,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,958,000 | 24,999,000 | 25,000,000 | 25,684,000 |
| Interest-bearing deposits | 23,144,000 | 21,653,000 | 21,629,000 | 22,002,000 |
| Noninterest-bearing deposits | 3,814,000 | 3,346,000 | 3,371,000 | 3,682,000 |
| Equity capital | 2,682,000 | 2,463,000 | 2,589,000 | 2,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 298,000 | 574,000 | 862,000 | 1,165,000 |
| Interest expense | 51,000 | 108,000 | 155,000 | 197,000 |
| Net interest income | 247,000 | 466,000 | 707,000 | 968,000 |
| Noninterest income | 53,000 | 78,000 | 140,000 | 199,000 |
| Noninterest expense | 235,000 | 517,000 | 744,000 | 1,052,000 |
| Provision for loan losses | 5,000 | 9,000 | 14,000 | 18,000 |
| Pretax income | 60,000 | 18,000 | 89,000 | 97,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 60,000 | 18,000 | 89,000 | 97,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,493,000 | 2,426,000 | 2,500,000 | 2,411,000 |
| Total capital | 2,674,000 | 2,613,000 | 2,688,000 | 2,603,000 |
| Risk-weighted assets | 17,235,000 | 15,769,000 | 15,829,000 | 16,715,000 |