Call reports 2004
FIRSTBANK - ST. JOHNS — 2004
What FIRSTBANK - ST. JOHNS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 47,418,000 | 49,972,000 | 50,332,000 | 52,170,000 |
| Total loans | 39,751,000 | 44,090,000 | 44,530,000 | 45,335,000 |
| Allowance for loan losses | 738,000 | 766,000 | 792,000 | 815,000 |
| Securities available for sale | 2,845,000 | 3,234,000 | 2,239,000 | 3,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,250,000 | 43,778,000 | 42,892,000 | 45,799,000 |
| Interest-bearing deposits | 36,811,000 | 37,343,000 | 37,331,000 | 39,258,000 |
| Noninterest-bearing deposits | 4,439,000 | 6,435,000 | 5,561,000 | 6,541,000 |
| Equity capital | 4,391,000 | 4,517,000 | 4,624,000 | 4,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 652,000 | 1,322,000 | 2,027,000 | 2,760,000 |
| Interest expense | 131,000 | 277,000 | 438,000 | 627,000 |
| Net interest income | 521,000 | 1,045,000 | 1,589,000 | 2,133,000 |
| Noninterest income | 123,000 | 265,000 | 356,000 | 442,000 |
| Noninterest expense | 489,000 | 944,000 | 1,387,000 | 1,856,000 |
| Provision for loan losses | 25,000 | 50,000 | 80,000 | 100,000 |
| Pretax income | 130,000 | 316,000 | 478,000 | 619,000 |
| Income tax | 44,000 | 99,000 | 163,000 | 211,000 |
| Net income | 86,000 | 217,000 | 315,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,375,000 | 4,507,000 | 4,606,000 | 4,649,000 |
| Total capital | 4,912,000 | 5,073,000 | 5,193,000 | 5,242,000 |
| Risk-weighted assets | 42,765,000 | 45,066,000 | 46,792,000 | 47,249,000 |