Call reports 2002
ST. JOHNS BANK & TRUST COMPANY — 2002
What ST. JOHNS BANK & TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 288,564,000 | 290,858,000 | 288,609,000 | 288,386,000 |
| Total loans | 206,923,000 | 210,927,000 | 208,713,000 | 209,291,000 |
| Allowance for loan losses | 1,792,000 | 1,834,000 | 1,913,000 | 2,028,000 |
| Securities available for sale | 43,175,000 | 46,992,000 | 44,371,000 | 42,095,000 |
| Securities held to maturity | 8,404,000 | 8,330,000 | 8,267,000 | 8,214,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,703,000 | 267,301,000 | 262,949,000 | 263,491,000 |
| Interest-bearing deposits | 212,570,000 | 214,495,000 | 211,257,000 | 209,830,000 |
| Noninterest-bearing deposits | 52,133,000 | 52,806,000 | 51,691,000 | 53,661,000 |
| Equity capital | 21,308,000 | 22,105,000 | 22,950,000 | 23,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,343,000 | 8,925,000 | 13,295,000 | 17,651,000 |
| Interest expense | 1,350,000 | 2,610,000 | 3,725,000 | 4,738,000 |
| Net interest income | 2,993,000 | 6,315,000 | 9,570,000 | 12,913,000 |
| Noninterest income | 528,000 | 995,000 | 1,504,000 | 1,999,000 |
| Noninterest expense | 2,452,000 | 5,031,000 | 7,574,000 | 10,142,000 |
| Provision for loan losses | 90,000 | 260,000 | 360,000 | 470,000 |
| Pretax income | 979,000 | 2,019,000 | 3,140,000 | 4,300,000 |
| Income tax | 325,000 | 669,000 | 1,049,000 | 1,449,000 |
| Net income | 654,000 | 1,350,000 | 2,091,000 | 2,851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,912,000 | 21,489,000 | 22,113,000 | 22,654,000 |
| Total capital | 22,704,000 | 23,323,000 | 24,026,000 | 24,682,000 |
| Risk-weighted assets | 218,453,000 | 219,561,000 | 215,777,000 | 217,286,000 |