Call reports 2019
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2019
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 30,316,000 | 29,659,000 | 29,192,000 | 29,975,000 |
| Total loans | 22,766,000 | 22,788,000 | 21,978,000 | 21,267,000 |
| Allowance for loan losses | 312,000 | 319,000 | 323,000 | 325,000 |
| Securities available for sale | 2,295,000 | 2,317,000 | 2,122,000 | 1,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,018,000 | 25,111,000 | 25,272,000 | 26,185,000 |
| Interest-bearing deposits | 22,100,000 | 21,110,000 | 21,454,000 | 22,184,000 |
| Noninterest-bearing deposits | 4,918,000 | 4,001,000 | 3,818,000 | 4,001,000 |
| Equity capital | 2,595,000 | 2,643,000 | 2,661,000 | 2,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 375,000 | 760,000 | 1,140,000 | 1,508,000 |
| Interest expense | 63,000 | 144,000 | 223,000 | 290,000 |
| Net interest income | 312,000 | 616,000 | 917,000 | 1,218,000 |
| Noninterest income | 59,000 | 114,000 | 172,000 | 256,000 |
| Noninterest expense | 315,000 | 638,000 | 976,000 | 1,336,000 |
| Provision for loan losses | 5,000 | 9,000 | 14,000 | 15,000 |
| Pretax income | 51,000 | 83,000 | 99,000 | 150,000 |
| Income tax | 1,000 | 1,000 | 3,000 | 41,000 |
| Net income | 50,000 | 82,000 | 96,000 | 109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,602,000 | 2,641,000 | 2,659,000 | 2,616,000 |
| Total capital | 2,883,000 | 2,920,000 | 2,926,000 | 2,886,000 |
| Risk-weighted assets | 22,427,000 | 22,265,000 | 21,264,000 | 21,523,000 |