Call reports 2022
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2022
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 36,840,000 | 35,884,000 | 37,213,000 | 37,684,000 |
| Total loans | 19,250,000 | 18,861,000 | 19,794,000 | 21,801,000 |
| Allowance for loan losses | 343,000 | 342,000 | 259,000 | 282,000 |
| Securities available for sale | 4,685,000 | 5,556,000 | 5,373,000 | 4,417,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,253,000 | 33,411,000 | 34,833,000 | 34,080,000 |
| Interest-bearing deposits | 25,981,000 | 26,574,000 | 26,566,000 | 25,445,000 |
| Noninterest-bearing deposits | 8,272,000 | 6,837,000 | 8,267,000 | 8,635,000 |
| Equity capital | 2,556,000 | 2,468,000 | 2,375,000 | 2,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 281,000 | 572,000 | 890,000 | 1,245,000 |
| Interest expense | 21,000 | 40,000 | 60,000 | 87,000 |
| Net interest income | 260,000 | 532,000 | 830,000 | 1,158,000 |
| Noninterest income | 61,000 | 200,000 | 273,000 | 347,000 |
| Noninterest expense | 296,000 | 683,000 | 1,000,000 | 1,318,000 |
| Provision for loan losses | 3,000 | 3,000 | 50,000 | 76,000 |
| Pretax income | -13,000 | -26,000 | -43,000 | 25,000 |
| Income tax | 0 | 19,000 | -4,000 | 3,000 |
| Net income | -13,000 | -45,000 | -39,000 | 22,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,747,000 | 2,715,000 | 2,720,000 | 2,781,000 |
| Total capital | 3,001,000 | 2,960,000 | 2,978,000 | 3,058,000 |
| Risk-weighted assets | 20,192,000 | 19,481,000 | 20,668,000 | 22,192,000 |