Call reports 2007
FIRSTBANK - ST. JOHNS — 2007
What FIRSTBANK - ST. JOHNS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 71,892,000 | 68,891,000 | 68,801,000 | 71,380,000 |
| Total loans | 60,186,000 | 61,719,000 | 62,400,000 | 63,886,000 |
| Allowance for loan losses | 613,000 | 616,000 | 644,000 | 666,000 |
| Securities available for sale | 2,753,000 | 2,741,000 | 1,749,000 | 3,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,290,000 | 59,277,000 | 59,124,000 | 60,888,000 |
| Interest-bearing deposits | 56,713,000 | 52,997,000 | 52,914,000 | 54,527,000 |
| Noninterest-bearing deposits | 5,577,000 | 6,280,000 | 6,210,000 | 6,361,000 |
| Equity capital | 5,820,000 | 5,788,000 | 5,802,000 | 5,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,195,000 | 2,426,000 | 3,638,000 | 4,844,000 |
| Interest expense | 589,000 | 1,180,000 | 1,752,000 | 2,318,000 |
| Net interest income | 606,000 | 1,246,000 | 1,886,000 | 2,526,000 |
| Noninterest income | 99,000 | 193,000 | 299,000 | 432,000 |
| Noninterest expense | 634,000 | 1,309,000 | 1,952,000 | 2,557,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 240,000 |
| Pretax income | 41,000 | 70,000 | 143,000 | 161,000 |
| Income tax | 6,000 | 10,000 | 29,000 | 29,000 |
| Net income | 35,000 | 60,000 | 114,000 | 132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,818,000 | 5,792,000 | 5,797,000 | 5,712,000 |
| Total capital | 6,431,000 | 6,408,000 | 6,441,000 | 6,378,000 |
| Risk-weighted assets | 60,103,000 | 59,924,000 | 58,921,000 | 61,479,000 |