Call reports 2003
FIRSTBANK - ST. JOHNS — 2003
What FIRSTBANK - ST. JOHNS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 42,445,000 | 42,439,000 | 43,899,000 | 46,091,000 |
| Total loans | 35,355,000 | 36,641,000 | 36,112,000 | 39,473,000 |
| Allowance for loan losses | 711,000 | 735,000 | 764,000 | 733,000 |
| Securities available for sale | 2,382,000 | 2,379,000 | 3,365,000 | 3,353,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,194,000 | 36,913,000 | 38,474,000 | 38,279,000 |
| Interest-bearing deposits | 33,810,000 | 32,559,000 | 33,955,000 | 33,677,000 |
| Noninterest-bearing deposits | 3,384,000 | 4,354,000 | 4,519,000 | 4,602,000 |
| Equity capital | 4,096,000 | 4,192,000 | 4,256,000 | 4,306,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 596,000 | 1,225,000 | 1,852,000 | 2,460,000 |
| Interest expense | 181,000 | 356,000 | 509,000 | 636,000 |
| Net interest income | 415,000 | 869,000 | 1,343,000 | 1,824,000 |
| Noninterest income | 200,000 | 490,000 | 755,000 | 874,000 |
| Noninterest expense | 432,000 | 994,000 | 1,524,000 | 1,963,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 93,000 |
| Pretax income | 153,000 | 305,000 | 484,000 | 642,000 |
| Income tax | 53,000 | 107,000 | 170,000 | 225,000 |
| Net income | 100,000 | 198,000 | 314,000 | 417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,076,000 | 4,172,000 | 4,236,000 | 4,289,000 |
| Total capital | 4,515,000 | 4,637,000 | 4,699,000 | 4,810,000 |
| Risk-weighted assets | 34,861,000 | 36,935,000 | 36,759,000 | 41,462,000 |