Call reports 2014
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2014
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 32,263,000 | 30,624,000 | 30,363,000 | 30,746,000 |
| Total loans | 17,403,000 | 17,816,000 | 18,143,000 | 18,695,000 |
| Allowance for loan losses | 197,000 | 201,000 | 205,000 | 210,000 |
| Securities available for sale | 6,566,000 | 6,249,000 | 5,978,000 | 5,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,776,000 | 26,886,000 | 26,729,000 | 26,958,000 |
| Interest-bearing deposits | 24,946,000 | 23,675,000 | 23,244,000 | 23,057,000 |
| Noninterest-bearing deposits | 3,830,000 | 3,211,000 | 3,485,000 | 3,901,000 |
| Equity capital | 2,552,000 | 2,693,000 | 2,735,000 | 2,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 309,000 | 630,000 | 959,000 | 1,287,000 |
| Interest expense | 39,000 | 87,000 | 126,000 | 163,000 |
| Net interest income | 270,000 | 543,000 | 833,000 | 1,124,000 |
| Noninterest income | 43,000 | 144,000 | 201,000 | 279,000 |
| Noninterest expense | 255,000 | 528,000 | 749,000 | 1,132,000 |
| Provision for loan losses | 5,000 | 9,000 | 21,000 | 26,000 |
| Pretax income | 53,000 | 150,000 | 264,000 | 245,000 |
| Income tax | 4,000 | 5,000 | 5,000 | 38,000 |
| Net income | 49,000 | 145,000 | 259,000 | 207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,468,000 | 2,567,000 | 2,630,000 | 2,407,000 |
| Total capital | 2,665,000 | 2,769,000 | 2,835,000 | 2,616,000 |
| Risk-weighted assets | 17,479,000 | 17,151,000 | 17,516,000 | 18,105,000 |