Call reports 2025
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2025
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 37,556,000 | 37,773,000 | 35,936,000 | 36,807,000 |
| Total loans | 24,755,000 | 24,344,000 | 25,497,000 | 24,862,000 |
| Allowance for loan losses | 352,000 | 356,000 | 362,000 | 366,000 |
| Securities available for sale | 3,290,000 | 3,291,000 | 3,284,000 | 2,374,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,499,000 | 34,680,000 | 32,785,000 | 33,641,000 |
| Interest-bearing deposits | 25,903,000 | 25,149,000 | 24,809,000 | 25,397,000 |
| Noninterest-bearing deposits | 8,596,000 | 9,531,000 | 7,976,000 | 8,244,000 |
| Equity capital | 2,977,000 | 3,029,000 | 3,085,000 | 3,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 523,000 | 1,046,000 | 1,587,000 | 2,129,000 |
| Interest expense | 116,000 | 229,000 | 341,000 | 456,000 |
| Net interest income | 407,000 | 817,000 | 1,246,000 | 1,673,000 |
| Noninterest income | 57,000 | 115,000 | 175,000 | 234,000 |
| Noninterest expense | 376,000 | 792,000 | 1,163,000 | 1,653,000 |
| Provision for loan losses | 11,000 | 16,000 | 22,000 | 25,000 |
| Pretax income | 79,000 | 128,000 | 237,000 | 237,000 |
| Income tax | 20,000 | 39,000 | 58,000 | 65,000 |
| Net income | 59,000 | 89,000 | 179,000 | 172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,061,000 | 3,091,000 | 3,131,000 | 3,124,000 |
| Total capital | 3,350,000 | 3,375,000 | 3,419,000 | 3,406,000 |
| Risk-weighted assets | 23,083,000 | 22,670,000 | 22,992,000 | 22,476,000 |