Call reports 2009
FIRSTBANK - ST. JOHNS — 2009
What FIRSTBANK - ST. JOHNS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 84,600,000 | 88,239,000 | 89,841,000 | 101,411,000 |
| Total loans | 72,980,000 | 75,473,000 | 76,112,000 | 72,770,000 |
| Allowance for loan losses | 829,000 | 895,000 | 1,030,000 | 1,376,000 |
| Securities available for sale | 7,339,000 | 4,907,000 | 4,946,000 | 5,815,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,228,000 | 76,999,000 | 78,856,000 | 90,515,000 |
| Interest-bearing deposits | 64,421,000 | 67,777,000 | 70,242,000 | 80,732,000 |
| Noninterest-bearing deposits | 6,807,000 | 9,222,000 | 8,614,000 | 9,783,000 |
| Equity capital | 7,884,000 | 7,997,000 | 8,160,000 | 7,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,172,000 | 2,374,000 | 3,633,000 | 4,859,000 |
| Interest expense | 412,000 | 796,000 | 1,150,000 | 1,518,000 |
| Net interest income | 760,000 | 1,578,000 | 2,483,000 | 3,341,000 |
| Noninterest income | 240,000 | 532,000 | 662,000 | 829,000 |
| Noninterest expense | 778,000 | 1,597,000 | 2,322,000 | 3,024,000 |
| Provision for loan losses | 85,000 | 298,000 | 453,000 | 1,013,000 |
| Pretax income | 136,000 | 214,000 | 369,000 | 251,000 |
| Income tax | 43,000 | 65,000 | 112,000 | 91,000 |
| Net income | 93,000 | 149,000 | 257,000 | 160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,857,000 | 7,906,000 | 8,014,000 | 7,915,000 |
| Total capital | 8,686,000 | 8,801,000 | 8,933,000 | 8,823,000 |
| Risk-weighted assets | 71,135,000 | 74,125,000 | 73,663,000 | 72,208,000 |