Call reports 2017
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2017
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 31,508,000 | 30,633,000 | 30,489,000 | 30,578,000 |
| Total loans | 20,188,000 | 21,938,000 | 21,921,000 | 21,559,000 |
| Allowance for loan losses | 237,000 | 258,000 | 260,000 | 264,000 |
| Securities available for sale | 4,738,000 | 2,972,000 | 2,963,000 | 2,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,221,000 | 26,435,000 | 26,376,000 | 27,367,000 |
| Interest-bearing deposits | 24,142,000 | 22,637,000 | 22,356,000 | 22,907,000 |
| Noninterest-bearing deposits | 4,079,000 | 3,798,000 | 4,020,000 | 4,460,000 |
| Equity capital | 2,508,000 | 2,512,000 | 2,569,000 | 2,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 327,000 | 667,000 | 1,014,000 | 1,360,000 |
| Interest expense | 35,000 | 80,000 | 120,000 | 154,000 |
| Net interest income | 292,000 | 587,000 | 894,000 | 1,206,000 |
| Noninterest income | 43,000 | 88,000 | 140,000 | 203,000 |
| Noninterest expense | 297,000 | 614,000 | 904,000 | 1,292,000 |
| Provision for loan losses | 4,000 | 26,000 | 31,000 | 35,000 |
| Pretax income | 34,000 | 48,000 | 112,000 | 95,000 |
| Income tax | 5,000 | 10,000 | 14,000 | 23,000 |
| Net income | 29,000 | 38,000 | 98,000 | 72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,485,000 | 2,495,000 | 2,555,000 | 2,478,000 |
| Total capital | 2,722,000 | 2,753,000 | 2,815,000 | 2,742,000 |
| Risk-weighted assets | 20,839,000 | 21,923,000 | 21,718,000 | 21,909,000 |