Call reports 2016
SAINT MARTIN NATIONAL BANK — 2016
What SAINT MARTIN NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 20,368,000 | 20,899,000 | 21,593,000 | 20,756,000 |
| Total loans | 11,552,000 | 12,528,000 | 12,415,000 | 12,445,000 |
| Allowance for loan losses | 171,000 | 171,000 | 171,000 | 181,000 |
| Securities available for sale | 3,261,000 | 2,963,000 | 3,201,000 | 3,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,538,000 | 17,939,000 | 18,523,000 | 17,856,000 |
| Interest-bearing deposits | 14,363,000 | 14,810,000 | 14,685,000 | 14,067,000 |
| Noninterest-bearing deposits | 3,175,000 | 3,129,000 | 3,838,000 | 3,789,000 |
| Equity capital | 2,815,000 | 2,944,000 | 3,053,000 | 2,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 175,000 | 361,000 | 552,000 | 733,000 |
| Interest expense | 10,000 | 21,000 | 32,000 | 43,000 |
| Net interest income | 165,000 | 340,000 | 520,000 | 690,000 |
| Noninterest income | 66,000 | 142,000 | 213,000 | 275,000 |
| Noninterest expense | 152,000 | 287,000 | 429,000 | 629,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 79,000 | 195,000 | 304,000 | 326,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 78,000 | 194,000 | 303,000 | 325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,784,000 | 2,900,000 | 3,009,000 | 2,931,000 |
| Total capital | 2,917,000 | 3,040,000 | 3,149,000 | 3,071,000 |
| Risk-weighted assets | 10,613,000 | 11,217,000 | 11,241,000 | 11,205,000 |