Call reports 2014
SAINT MARTIN NATIONAL BANK — 2014
What SAINT MARTIN NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 20,271,000 | 20,072,000 | 20,969,000 | 21,055,000 |
| Total loans | 9,324,000 | 9,787,000 | 10,234,000 | 10,179,000 |
| Allowance for loan losses | 171,000 | 171,000 | 171,000 | 171,000 |
| Securities available for sale | 4,360,000 | 4,049,000 | 3,916,000 | 3,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,681,000 | 17,383,000 | 18,197,000 | 18,349,000 |
| Interest-bearing deposits | 14,308,000 | 14,035,000 | 14,351,000 | 14,424,000 |
| Noninterest-bearing deposits | 3,373,000 | 3,348,000 | 3,846,000 | 3,925,000 |
| Equity capital | 2,577,000 | 2,677,000 | 2,758,000 | 2,702,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 151,000 | 311,000 | 474,000 | 640,000 |
| Interest expense | 8,000 | 16,000 | 24,000 | 32,000 |
| Net interest income | 143,000 | 295,000 | 450,000 | 608,000 |
| Noninterest income | 69,000 | 140,000 | 214,000 | 284,000 |
| Noninterest expense | 149,000 | 286,000 | 420,000 | 611,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 63,000 | 149,000 | 244,000 | 281,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 62,000 | 148,000 | 243,000 | 280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,561,000 | 2,647,000 | 2,742,000 | 2,679,000 |
| Total capital | 2,675,000 | 2,766,000 | 2,867,000 | 2,800,000 |
| Risk-weighted assets | 9,086,000 | 9,485,000 | 9,916,000 | 9,658,000 |