Call reports 2006
FIRSTBANK - ST. JOHNS — 2006
What FIRSTBANK - ST. JOHNS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 62,016,000 | 65,107,000 | 69,780,000 | 69,399,000 |
| Total loans | 57,115,000 | 59,960,000 | 61,595,000 | 61,591,000 |
| Allowance for loan losses | 852,000 | 872,000 | 576,000 | 607,000 |
| Securities available for sale | 2,813,000 | 2,729,000 | 4,984,000 | 4,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,167,000 | 52,849,000 | 58,100,000 | 58,567,000 |
| Interest-bearing deposits | 47,444,000 | 46,672,000 | 51,556,000 | 51,942,000 |
| Noninterest-bearing deposits | 5,723,000 | 6,177,000 | 6,544,000 | 6,625,000 |
| Equity capital | 5,007,000 | 5,078,000 | 5,600,000 | 5,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 999,000 | 2,112,000 | 3,281,000 | 4,489,000 |
| Interest expense | 397,000 | 861,000 | 1,412,000 | 1,999,000 |
| Net interest income | 602,000 | 1,251,000 | 1,869,000 | 2,490,000 |
| Noninterest income | 74,000 | 159,000 | 252,000 | 348,000 |
| Noninterest expense | 509,000 | 1,036,000 | 1,565,000 | 2,131,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 200,000 |
| Pretax income | 147,000 | 324,000 | 476,000 | 507,000 |
| Income tax | 47,000 | 100,000 | 143,000 | 145,000 |
| Net income | 100,000 | 224,000 | 333,000 | 362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,023,000 | 5,096,000 | 5,605,000 | 5,833,000 |
| Total capital | 5,693,000 | 5,812,000 | 6,181,000 | 6,440,000 |
| Risk-weighted assets | 53,447,000 | 57,278,000 | 59,532,000 | 60,146,000 |
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