Call reports 2018
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2018
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 30,900,000 | 29,802,000 | 30,642,000 | 30,982,000 |
| Total loans | 20,037,000 | 20,649,000 | 22,535,000 | 23,066,000 |
| Allowance for loan losses | 268,000 | 267,000 | 267,000 | 311,000 |
| Securities available for sale | 2,692,000 | 2,683,000 | 2,668,000 | 2,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,532,000 | 26,483,000 | 25,275,000 | 27,508,000 |
| Interest-bearing deposits | 22,426,000 | 21,914,000 | 21,258,000 | 22,845,000 |
| Noninterest-bearing deposits | 5,106,000 | 4,569,000 | 4,017,000 | 4,663,000 |
| Equity capital | 2,634,000 | 2,596,000 | 2,634,000 | 2,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 334,000 | 666,000 | 1,020,000 | 1,400,000 |
| Interest expense | 47,000 | 91,000 | 141,000 | 199,000 |
| Net interest income | 287,000 | 575,000 | 879,000 | 1,201,000 |
| Noninterest income | 233,000 | 290,000 | 346,000 | 405,000 |
| Noninterest expense | 346,000 | 711,000 | 1,025,000 | 1,472,000 |
| Provision for loan losses | 4,000 | 4,000 | 4,000 | 50,000 |
| Pretax income | 170,000 | 150,000 | 196,000 | 84,000 |
| Income tax | -13,000 | -13,000 | -12,000 | -47,000 |
| Net income | 183,000 | 163,000 | 208,000 | 131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,652,000 | 2,614,000 | 2,656,000 | 2,542,000 |
| Total capital | 2,902,000 | 2,871,000 | 2,923,000 | 2,827,000 |
| Risk-weighted assets | 20,004,000 | 20,534,000 | 22,259,000 | 22,768,000 |