Call reports 2004
ST. JOHNS BANK & TRUST COMPANY — 2004
What ST. JOHNS BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 305,693,000 | 307,700,000 | 322,848,000 | 316,190,000 |
| Total loans | 227,937,000 | 231,952,000 | 233,105,000 | 249,044,000 |
| Allowance for loan losses | 2,156,000 | 2,173,000 | 2,276,000 | 1,654,000 |
| Securities available for sale | 33,770,000 | 43,427,000 | 35,780,000 | 34,186,000 |
| Securities held to maturity | 8,755,000 | 11,047,000 | 10,901,000 | 10,871,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,710,000 | 282,209,000 | 296,161,000 | 288,867,000 |
| Interest-bearing deposits | 227,574,000 | 229,886,000 | 243,163,000 | 233,738,000 |
| Noninterest-bearing deposits | 52,135,000 | 52,323,000 | 52,998,000 | 55,130,000 |
| Equity capital | 25,131,000 | 24,901,000 | 25,823,000 | 26,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,675,000 | 7,413,000 | 11,330,000 | 15,386,000 |
| Interest expense | 619,000 | 1,352,000 | 2,140,000 | 2,979,000 |
| Net interest income | 3,056,000 | 6,061,000 | 9,190,000 | 12,407,000 |
| Noninterest income | 516,000 | 1,062,000 | 1,551,000 | 2,028,000 |
| Noninterest expense | 2,545,000 | 5,204,000 | 7,921,000 | 10,739,000 |
| Provision for loan losses | 60,000 | 150,000 | 260,000 | 520,000 |
| Pretax income | 984,000 | 1,786,000 | 2,577,000 | 3,193,000 |
| Income tax | 320,000 | 583,000 | 843,000 | 1,040,000 |
| Net income | 664,000 | 1,203,000 | 1,734,000 | 2,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,956,000 | 25,375,000 | 25,790,000 | 26,093,000 |
| Total capital | 27,112,000 | 27,548,000 | 28,066,000 | 27,747,000 |
| Risk-weighted assets | 238,687,000 | 248,536,000 | 248,632,000 | 263,621,000 |