Call reports 2006
ST. JOHNS BANK & TRUST COMPANY — 2006
What ST. JOHNS BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 331,315,000 | 328,022,000 | 326,913,000 | 333,414,000 |
| Total loans | 262,540,000 | 257,948,000 | 260,926,000 | 265,885,000 |
| Allowance for loan losses | 2,017,000 | 2,135,000 | 2,378,000 | 2,419,000 |
| Securities available for sale | 29,478,000 | 30,266,000 | 31,588,000 | 31,810,000 |
| Securities held to maturity | 10,137,000 | 12,705,000 | 12,315,000 | 12,312,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,246,000 | 297,601,000 | 290,375,000 | 297,077,000 |
| Interest-bearing deposits | 245,182,000 | 242,471,000 | 235,399,000 | 238,297,000 |
| Noninterest-bearing deposits | 56,064,000 | 55,130,000 | 54,976,000 | 58,781,000 |
| Equity capital | 28,679,000 | 29,051,000 | 29,736,000 | 30,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,886,000 | 10,025,000 | 15,227,000 | 20,514,000 |
| Interest expense | 1,651,000 | 3,521,000 | 5,536,000 | 7,673,000 |
| Net interest income | 3,235,000 | 6,504,000 | 9,691,000 | 12,841,000 |
| Noninterest income | 839,000 | 1,713,000 | 2,521,000 | 3,284,000 |
| Noninterest expense | 2,861,000 | 5,896,000 | 8,746,000 | 11,550,000 |
| Provision for loan losses | 140,000 | 290,000 | 535,000 | 675,000 |
| Pretax income | 1,084,000 | 2,042,000 | 2,942,000 | 3,911,000 |
| Income tax | 371,000 | 692,000 | 993,000 | 1,318,000 |
| Net income | 713,000 | 1,350,000 | 1,949,000 | 2,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,198,000 | 29,715,000 | 30,194,000 | 30,563,000 |
| Total capital | 31,215,000 | 31,850,000 | 32,572,000 | 32,982,000 |
| Risk-weighted assets | 278,720,000 | 273,043,000 | 272,655,000 | 278,380,000 |