Call reports 2025
SAINT MARTIN NATIONAL BANK — 2025
What SAINT MARTIN NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 30,054,000 | 28,587,000 | 28,932,000 | 28,447,000 |
| Total loans | 13,183,000 | 12,539,000 | 13,424,000 | 12,885,000 |
| Allowance for loan losses | 197,000 | 197,000 | 197,000 | 197,000 |
| Securities available for sale | 12,731,000 | 12,578,000 | 12,609,000 | 12,928,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,323,000 | 24,588,000 | 24,717,000 | 24,258,000 |
| Interest-bearing deposits | 17,579,000 | 17,892,000 | 17,576,000 | 17,502,000 |
| Noninterest-bearing deposits | 8,744,000 | 6,696,000 | 7,141,000 | 6,756,000 |
| Equity capital | 3,689,000 | 3,951,000 | 4,168,000 | 4,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 282,000 | 576,000 | 895,000 | 1,222,000 |
| Interest expense | 52,000 | 108,000 | 168,000 | 229,000 |
| Net interest income | 230,000 | 468,000 | 727,000 | 993,000 |
| Noninterest income | 99,000 | 173,000 | 250,000 | 311,000 |
| Noninterest expense | 175,000 | 335,000 | 509,000 | 826,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 154,000 | 306,000 | 468,000 | 475,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 154,000 | 306,000 | 468,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,052,000 | 4,203,000 | 4,365,000 | 4,272,000 |