Call reports 2021
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2021
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 33,414,000 | 33,505,000 | 32,688,000 | 34,575,000 |
| Total loans | 17,365,000 | 17,894,000 | 18,832,000 | 21,250,000 |
| Allowance for loan losses | 337,000 | 342,000 | 341,000 | 341,000 |
| Securities available for sale | 4,278,000 | 4,219,000 | 4,670,000 | 4,555,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,555,000 | 30,788,000 | 29,368,000 | 31,071,000 |
| Interest-bearing deposits | 24,478,000 | 25,031,000 | 24,012,000 | 24,930,000 |
| Noninterest-bearing deposits | 6,077,000 | 5,757,000 | 5,356,000 | 6,141,000 |
| Equity capital | 2,661,000 | 2,680,000 | 2,698,000 | 2,718,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 272,000 | 534,000 | 801,000 | 1,085,000 |
| Interest expense | 42,000 | 84,000 | 109,000 | 132,000 |
| Net interest income | 230,000 | 450,000 | 692,000 | 953,000 |
| Noninterest income | 69,000 | 187,000 | 285,000 | 427,000 |
| Noninterest expense | 264,000 | 582,000 | 901,000 | 1,240,000 |
| Provision for loan losses | 3,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | 30,000 | 47,000 | 70,000 | 130,000 |
| Income tax | 3,000 | 7,000 | 11,000 | 29,000 |
| Net income | 27,000 | 40,000 | 59,000 | 101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,686,000 | 2,700,000 | 2,719,000 | 2,760,000 |
| Total capital | 2,916,000 | 2,931,000 | 2,945,000 | 3,028,000 |
| Risk-weighted assets | 18,254,000 | 18,379,000 | 17,981,000 | 21,397,000 |