Call reports 2005
ST. JOHNS BANK & TRUST COMPANY — 2005
What ST. JOHNS BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 316,416,000 | 315,534,000 | 315,800,000 | 318,849,000 |
| Total loans | 253,160,000 | 252,181,000 | 251,755,000 | 254,622,000 |
| Allowance for loan losses | 1,756,000 | 1,846,000 | 1,918,000 | 1,884,000 |
| Securities available for sale | 30,763,000 | 28,953,000 | 28,815,000 | 29,616,000 |
| Securities held to maturity | 10,838,000 | 10,741,000 | 10,962,000 | 10,948,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,271,000 | 286,270,000 | 283,573,000 | 289,937,000 |
| Interest-bearing deposits | 234,112,000 | 231,294,000 | 230,875,000 | 227,830,000 |
| Noninterest-bearing deposits | 51,159,000 | 54,976,000 | 52,698,000 | 62,107,000 |
| Equity capital | 26,332,000 | 27,062,000 | 27,704,000 | 28,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,199,000 | 8,553,000 | 13,073,000 | 17,738,000 |
| Interest expense | 965,000 | 2,085,000 | 3,299,000 | 4,696,000 |
| Net interest income | 3,234,000 | 6,468,000 | 9,774,000 | 13,042,000 |
| Noninterest income | 648,000 | 1,360,000 | 2,265,000 | 3,132,000 |
| Noninterest expense | 2,668,000 | 5,446,000 | 8,211,000 | 11,075,000 |
| Provision for loan losses | 105,000 | 210,000 | 345,000 | 480,000 |
| Pretax income | 1,099,000 | 2,162,000 | 3,473,000 | 4,609,000 |
| Income tax | 371,000 | 726,000 | 1,183,000 | 1,572,000 |
| Net income | 728,000 | 1,436,000 | 2,290,000 | 3,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,702,000 | 27,295,000 | 28,034,000 | 28,660,000 |
| Total capital | 28,458,000 | 29,141,000 | 29,952,000 | 30,544,000 |
| Risk-weighted assets | 268,291,000 | 268,795,000 | 268,217,000 | 268,713,000 |