Call reports 2016
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2016
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 31,137,000 | 29,738,000 | 29,658,000 | 31,074,000 |
| Total loans | 18,541,000 | 17,963,000 | 18,006,000 | 19,561,000 |
| Allowance for loan losses | 231,000 | 232,000 | 232,000 | 232,000 |
| Securities available for sale | 4,741,000 | 4,836,000 | 5,067,000 | 4,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,731,000 | 26,289,000 | 26,171,000 | 27,830,000 |
| Interest-bearing deposits | 23,468,000 | 22,103,000 | 21,431,000 | 23,162,000 |
| Noninterest-bearing deposits | 4,263,000 | 4,186,000 | 4,740,000 | 4,668,000 |
| Equity capital | 2,540,000 | 2,602,000 | 2,650,000 | 2,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 321,000 | 633,000 | 954,000 | 1,272,000 |
| Interest expense | 34,000 | 76,000 | 110,000 | 144,000 |
| Net interest income | 287,000 | 557,000 | 844,000 | 1,128,000 |
| Noninterest income | 42,000 | 88,000 | 138,000 | 187,000 |
| Noninterest expense | 307,000 | 572,000 | 846,000 | 1,206,000 |
| Provision for loan losses | 4,000 | 4,000 | 5,000 | 6,000 |
| Pretax income | 18,000 | 69,000 | 131,000 | 103,000 |
| Income tax | 4,000 | 13,000 | 19,000 | 23,000 |
| Net income | 14,000 | 56,000 | 112,000 | 80,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,468,000 | 2,515,000 | 2,572,000 | 2,456,000 |
| Total capital | 2,696,000 | 2,740,000 | 2,795,000 | 2,688,000 |
| Risk-weighted assets | 18,229,000 | 17,967,000 | 17,774,000 | 19,985,000 |