Call reports 2015
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2015
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 31,600,000 | 30,135,000 | 30,279,000 | 30,944,000 |
| Total loans | 18,197,000 | 18,588,000 | 19,130,000 | 19,135,000 |
| Allowance for loan losses | 214,000 | 218,000 | 223,000 | 227,000 |
| Securities available for sale | 5,894,000 | 5,335,000 | 5,131,000 | 4,888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,106,000 | 25,215,000 | 24,941,000 | 27,568,000 |
| Interest-bearing deposits | 24,082,000 | 21,168,000 | 20,973,000 | 23,176,000 |
| Noninterest-bearing deposits | 4,024,000 | 4,047,000 | 3,968,000 | 4,392,000 |
| Equity capital | 2,601,000 | 2,585,000 | 2,645,000 | 2,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 317,000 | 637,000 | 956,000 | 1,281,000 |
| Interest expense | 36,000 | 78,000 | 112,000 | 145,000 |
| Net interest income | 281,000 | 559,000 | 844,000 | 1,136,000 |
| Noninterest income | 47,000 | 95,000 | 148,000 | 210,000 |
| Noninterest expense | 274,000 | 543,000 | 795,000 | 1,154,000 |
| Provision for loan losses | 4,000 | 9,000 | 14,000 | 18,000 |
| Pretax income | 50,000 | 102,000 | 186,000 | 177,000 |
| Income tax | 5,000 | 11,000 | 16,000 | 51,000 |
| Net income | 45,000 | 91,000 | 170,000 | 126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,449,000 | 2,488,000 | 2,520,000 | 2,451,000 |
| Total capital | 2,663,000 | 2,706,000 | 2,743,000 | 2,678,000 |
| Risk-weighted assets | 18,350,000 | 18,238,000 | 18,552,000 | 18,688,000 |
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