Call reports 2005
FIRSTBANK - ST. JOHNS — 2005
What FIRSTBANK - ST. JOHNS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 52,691,000 | 56,389,000 | 58,256,000 | 61,440,000 |
| Total loans | 46,842,000 | 50,098,000 | 51,959,000 | 55,625,000 |
| Allowance for loan losses | 834,000 | 783,000 | 813,000 | 836,000 |
| Securities available for sale | 3,411,000 | 3,425,000 | 3,417,000 | 2,893,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,198,000 | 47,995,000 | 48,403,000 | 52,889,000 |
| Interest-bearing deposits | 40,201,000 | 41,232,000 | 41,309,000 | 45,968,000 |
| Noninterest-bearing deposits | 5,997,000 | 6,763,000 | 7,094,000 | 6,921,000 |
| Equity capital | 4,672,000 | 4,766,000 | 4,841,000 | 4,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 751,000 | 1,585,000 | 2,492,000 | 3,450,000 |
| Interest expense | 213,000 | 458,000 | 742,000 | 1,077,000 |
| Net interest income | 538,000 | 1,127,000 | 1,750,000 | 2,373,000 |
| Noninterest income | 92,000 | 169,000 | 271,000 | 358,000 |
| Noninterest expense | 490,000 | 957,000 | 1,460,000 | 1,948,000 |
| Provision for loan losses | 30,000 | 30,000 | 60,000 | 90,000 |
| Pretax income | 110,000 | 309,000 | 501,000 | 693,000 |
| Income tax | 34,000 | 99,000 | 161,000 | 221,000 |
| Net income | 76,000 | 210,000 | 340,000 | 472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,676,000 | 4,761,000 | 4,841,000 | 4,972,000 |
| Total capital | 5,255,000 | 5,380,000 | 5,486,000 | 5,631,000 |
| Risk-weighted assets | 46,103,000 | 49,319,000 | 51,454,000 | 52,524,000 |