Call reports 2002
FIRSTBANK - ST. JOHNS — 2002
What FIRSTBANK - ST. JOHNS reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 34,955,000 | 37,848,000 | 41,640,000 | 41,957,000 |
| Total loans | 29,820,000 | 30,678,000 | 32,392,000 | 33,799,000 |
| Allowance for loan losses | 526,000 | 583,000 | 635,000 | 686,000 |
| Securities available for sale | 2,128,000 | 2,638,000 | 3,129,000 | 2,124,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,061,000 | 32,022,000 | 36,270,000 | 36,822,000 |
| Interest-bearing deposits | 27,541,000 | 28,973,000 | 33,080,000 | 32,655,000 |
| Noninterest-bearing deposits | 2,520,000 | 3,049,000 | 3,190,000 | 4,167,000 |
| Equity capital | 3,780,000 | 3,850,000 | 3,914,000 | 3,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 618,000 | 1,212,000 | 1,844,000 | 2,478,000 |
| Interest expense | 204,000 | 410,000 | 635,000 | 838,000 |
| Net interest income | 414,000 | 802,000 | 1,209,000 | 1,640,000 |
| Noninterest income | 68,000 | 120,000 | 202,000 | 347,000 |
| Noninterest expense | 294,000 | 582,000 | 909,000 | 1,297,000 |
| Provision for loan losses | 57,000 | 114,000 | 172,000 | 230,000 |
| Pretax income | 131,000 | 226,000 | 330,000 | 460,000 |
| Income tax | 46,000 | 79,000 | 116,000 | 162,000 |
| Net income | 85,000 | 147,000 | 214,000 | 298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,769,000 | 3,830,000 | 3,896,000 | 3,978,000 |
| Total capital | 4,113,000 | 4,200,000 | 4,292,000 | 4,388,000 |
| Risk-weighted assets | 27,337,000 | 29,378,000 | 31,473,000 | 32,867,000 |