Call reports 2003
ST. JOHNS BANK & TRUST COMPANY — 2003
What ST. JOHNS BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 283,337,000 | 289,248,000 | 286,621,000 | 288,489,000 |
| Total loans | 219,419,000 | 214,840,000 | 206,702,000 | 215,126,000 |
| Allowance for loan losses | 1,925,000 | 2,039,000 | 2,040,000 | 2,096,000 |
| Securities available for sale | 36,187,000 | 33,034,000 | 32,463,000 | 36,564,000 |
| Securities held to maturity | 6,094,000 | 7,095,000 | 6,108,000 | 8,799,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,093,000 | 263,695,000 | 261,327,000 | 263,525,000 |
| Interest-bearing deposits | 207,514,000 | 210,780,000 | 211,019,000 | 211,077,000 |
| Noninterest-bearing deposits | 50,579,000 | 52,914,000 | 50,308,000 | 52,448,000 |
| Equity capital | 23,879,000 | 24,278,000 | 24,343,000 | 24,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,065,000 | 7,961,000 | 11,604,000 | 15,233,000 |
| Interest expense | 868,000 | 1,664,000 | 2,372,000 | 3,006,000 |
| Net interest income | 3,197,000 | 6,297,000 | 9,232,000 | 12,227,000 |
| Noninterest income | 516,000 | 984,000 | 1,516,000 | 1,994,000 |
| Noninterest expense | 2,486,000 | 5,016,000 | 7,692,000 | 10,360,000 |
| Provision for loan losses | 90,000 | 190,000 | 250,000 | 340,000 |
| Pretax income | 1,137,000 | 2,075,000 | 2,806,000 | 3,521,000 |
| Income tax | 383,000 | 700,000 | 937,000 | 1,174,000 |
| Net income | 754,000 | 1,375,000 | 1,869,000 | 2,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,288,000 | 23,789,000 | 24,164,000 | 24,442,000 |
| Total capital | 25,213,000 | 25,828,000 | 26,204,000 | 26,538,000 |
| Risk-weighted assets | 221,529,000 | 224,457,000 | 217,329,000 | 225,056,000 |