Call reports 2020
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2020
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 29,649,000 | 29,897,000 | 29,297,000 | 31,793,000 |
| Total loans | 20,501,000 | 21,516,000 | 19,266,000 | 18,519,000 |
| Allowance for loan losses | 325,000 | 325,000 | 329,000 | 334,000 |
| Securities available for sale | 1,187,000 | 1,199,000 | 954,000 | 2,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,859,000 | 26,094,000 | 25,471,000 | 28,011,000 |
| Interest-bearing deposits | 21,645,000 | 21,590,000 | 20,898,000 | 22,828,000 |
| Noninterest-bearing deposits | 4,214,000 | 4,504,000 | 4,573,000 | 5,183,000 |
| Equity capital | 2,623,000 | 2,661,000 | 2,694,000 | 2,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 354,000 | 695,000 | 1,031,000 | 1,331,000 |
| Interest expense | 84,000 | 152,000 | 209,000 | 260,000 |
| Net interest income | 270,000 | 543,000 | 822,000 | 1,071,000 |
| Noninterest income | 57,000 | 104,000 | 174,000 | 235,000 |
| Noninterest expense | 316,000 | 614,000 | 918,000 | 1,236,000 |
| Provision for loan losses | 0 | 0 | 4,000 | 9,000 |
| Pretax income | 16,000 | 60,000 | 103,000 | 99,000 |
| Income tax | 11,000 | 26,000 | 36,000 | 31,000 |
| Net income | 5,000 | 34,000 | 67,000 | 68,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,621,000 | 2,650,000 | 2,683,000 | 2,660,000 |
| Total capital | 2,873,000 | 2,918,000 | 2,924,000 | 2,908,000 |
| Risk-weighted assets | 20,083,000 | 21,374,000 | 19,171,000 | 19,730,000 |