Call reports 2020
SAINT MARTIN NATIONAL BANK — 2020
What SAINT MARTIN NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 21,793,000 | 23,435,000 | 25,121,000 | 28,074,000 |
| Total loans | 11,964,000 | 12,728,000 | 12,496,000 | 11,589,000 |
| Allowance for loan losses | 187,000 | 187,000 | 187,000 | 197,000 |
| Securities available for sale | 3,849,000 | 3,679,000 | 4,668,000 | 6,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,356,000 | 19,863,000 | 21,450,000 | 24,487,000 |
| Interest-bearing deposits | 13,734,000 | 14,428,000 | 15,560,000 | 16,716,000 |
| Noninterest-bearing deposits | 4,622,000 | 5,435,000 | 5,890,000 | 7,771,000 |
| Equity capital | 3,412,000 | 3,552,000 | 3,652,000 | 3,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 210,000 | 450,000 | 645,000 | 832,000 |
| Interest expense | 22,000 | 42,000 | 61,000 | 78,000 |
| Net interest income | 188,000 | 408,000 | 584,000 | 754,000 |
| Noninterest income | 52,000 | 104,000 | 166,000 | 238,000 |
| Noninterest expense | 159,000 | 295,000 | 424,000 | 626,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 81,000 | 217,000 | 326,000 | 356,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 81,000 | 217,000 | 326,000 | 356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,294,000 | 3,430,000 | 3,540,000 | 3,469,000 |