Call reports 2015
SAINT MARTIN NATIONAL BANK — 2015
What SAINT MARTIN NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 20,457,000 | 19,375,000 | 20,544,000 | 20,659,000 |
| Total loans | 11,060,000 | 11,218,000 | 11,570,000 | 11,635,000 |
| Allowance for loan losses | 171,000 | 171,000 | 171,000 | 171,000 |
| Securities available for sale | 3,341,000 | 2,810,000 | 3,113,000 | 2,953,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,719,000 | 16,565,000 | 17,642,000 | 17,830,000 |
| Interest-bearing deposits | 14,011,000 | 13,633,000 | 14,196,000 | 14,673,000 |
| Noninterest-bearing deposits | 3,708,000 | 2,932,000 | 3,446,000 | 3,157,000 |
| Equity capital | 2,727,000 | 2,795,000 | 2,888,000 | 2,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 163,000 | 335,000 | 510,000 | 689,000 |
| Interest expense | 8,000 | 16,000 | 25,000 | 35,000 |
| Net interest income | 155,000 | 319,000 | 485,000 | 654,000 |
| Noninterest income | 91,000 | 161,000 | 221,000 | 304,000 |
| Noninterest expense | 147,000 | 294,000 | 439,000 | 634,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 99,000 | 186,000 | 267,000 | 324,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 0 |
| Net income | 98,000 | 185,000 | 266,000 | 324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,686,000 | 2,774,000 | 2,855,000 | 2,813,000 |
| Total capital | 2,814,000 | 2,904,000 | 2,993,000 | 2,948,000 |
| Risk-weighted assets | 10,207,000 | 10,423,000 | 11,048,000 | 10,784,000 |