Call reports 2008
FIRSTBANK - ST. JOHNS — 2008
What FIRSTBANK - ST. JOHNS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 73,104,000 | 77,350,000 | 85,877,000 | 86,329,000 |
| Total loans | 65,813,000 | 67,838,000 | 70,283,000 | 71,955,000 |
| Allowance for loan losses | 716,000 | 681,000 | 710,000 | 833,000 |
| Securities available for sale | 3,437,000 | 3,390,000 | 5,793,000 | 8,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,889,000 | 59,282,000 | 75,356,000 | 73,235,000 |
| Interest-bearing deposits | 56,341,000 | 53,086,000 | 69,525,000 | 66,004,000 |
| Noninterest-bearing deposits | 5,548,000 | 6,196,000 | 5,831,000 | 7,231,000 |
| Equity capital | 5,789,000 | 6,064,000 | 6,492,000 | 6,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,183,000 | 2,355,000 | 3,577,000 | 4,791,000 |
| Interest expense | 523,000 | 976,000 | 1,491,000 | 1,971,000 |
| Net interest income | 660,000 | 1,379,000 | 2,086,000 | 2,820,000 |
| Noninterest income | 147,000 | 290,000 | 393,000 | 480,000 |
| Noninterest expense | 660,000 | 1,301,000 | 1,959,000 | 2,576,000 |
| Provision for loan losses | 76,000 | 288,000 | 348,000 | 568,000 |
| Pretax income | 71,000 | 76,000 | -33,000 | -252,000 |
| Income tax | 18,000 | 14,000 | -29,000 | -109,000 |
| Net income | 53,000 | 62,000 | -4,000 | -143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,765,000 | 6,043,000 | 6,506,000 | 6,566,000 |
| Total capital | 6,481,000 | 6,724,000 | 7,216,000 | 7,399,000 |
| Risk-weighted assets | 63,942,000 | 67,198,000 | 69,988,000 | 70,750,000 |