Call reports 2023
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2023
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 39,148,000 | 37,915,000 | 36,906,000 | 36,710,000 |
| Total loans | 22,053,000 | 22,454,000 | 23,588,000 | 24,314,000 |
| Allowance for loan losses | 336,000 | 341,000 | 366,000 | 367,000 |
| Securities available for sale | 4,307,000 | 4,246,000 | 4,184,000 | 4,270,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,543,000 | 35,306,000 | 33,593,000 | 32,945,000 |
| Interest-bearing deposits | 26,942,000 | 27,079,000 | 25,084,000 | 24,064,000 |
| Noninterest-bearing deposits | 9,601,000 | 8,227,000 | 8,509,000 | 8,881,000 |
| Equity capital | 2,586,000 | 2,583,000 | 2,567,000 | 2,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 392,000 | 814,000 | 1,267,000 | 1,728,000 |
| Interest expense | 51,000 | 125,000 | 212,000 | 307,000 |
| Net interest income | 341,000 | 689,000 | 1,055,000 | 1,421,000 |
| Noninterest income | 61,000 | 130,000 | 199,000 | 271,000 |
| Noninterest expense | 311,000 | 694,000 | 1,035,000 | 1,441,000 |
| Provision for loan losses | 26,000 | 30,000 | 57,000 | 57,000 |
| Pretax income | 78,000 | 106,000 | 160,000 | 229,000 |
| Income tax | -2,000 | 19,000 | 74,000 | 62,000 |
| Net income | 80,000 | 87,000 | 86,000 | 167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,831,000 | 2,844,000 | 2,844,000 | 2,924,000 |
| Total capital | 3,114,000 | 3,127,000 | 3,131,000 | 3,214,000 |
| Risk-weighted assets | 22,553,000 | 22,604,000 | 22,914,000 | 23,087,000 |