Call reports 2008
SAINT MARTIN NATIONAL BANK — 2008
What SAINT MARTIN NATIONAL BANK 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 | 16,186,000 | 16,052,000 | 15,473,000 | 16,437,000 |
| Total loans | 11,327,000 | 11,315,000 | 11,971,000 | 12,109,000 |
| Allowance for loan losses | 135,000 | 135,000 | 135,000 | 135,000 |
| Securities available for sale | 2,566,000 | 2,366,000 | 2,321,000 | 2,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,065,000 | 13,904,000 | 13,213,000 | 14,189,000 |
| Interest-bearing deposits | 11,663,000 | 11,687,000 | 11,470,000 | 12,105,000 |
| Noninterest-bearing deposits | 2,402,000 | 2,217,000 | 1,743,000 | 2,084,000 |
| Equity capital | 2,053,000 | 2,091,000 | 2,203,000 | 2,200,000 |
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 | 254,000 | 497,000 | 732,000 | 964,000 |
| Interest expense | 90,000 | 170,000 | 244,000 | 316,000 |
| Net interest income | 164,000 | 327,000 | 488,000 | 648,000 |
| Noninterest income | 44,000 | 92,000 | 155,000 | 212,000 |
| Noninterest expense | 124,000 | 250,000 | 376,000 | 542,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 84,000 | 169,000 | 267,000 | 312,000 |
| Income tax | 0 | 0 | 1,000 | 0 |
| Net income | 84,000 | 169,000 | 266,000 | 312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,017,000 | 2,102,000 | 2,199,000 | 2,145,000 |
| Total capital | 2,152,000 | 2,236,000 | 2,334,000 | 2,280,000 |
| Risk-weighted assets | 10,894,000 | 10,728,000 | 11,330,000 | 11,644,000 |
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