Call reports 2007
ST. JOHNS BANK & TRUST COMPANY — 2007
What ST. JOHNS BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 346,091,000 | 353,038,000 | 355,571,000 | 349,582,000 |
| Total loans | 271,504,000 | 263,913,000 | 255,173,000 | 261,306,000 |
| Allowance for loan losses | 2,550,000 | 1,761,000 | 1,853,000 | 3,424,000 |
| Securities available for sale | 30,920,000 | 35,132,000 | 45,550,000 | 44,350,000 |
| Securities held to maturity | 12,265,000 | 12,262,000 | 13,390,000 | 15,728,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,913,000 | 301,443,000 | 301,581,000 | 298,938,000 |
| Interest-bearing deposits | 240,833,000 | 248,609,000 | 253,055,000 | 247,373,000 |
| Noninterest-bearing deposits | 54,080,000 | 52,834,000 | 48,526,000 | 51,565,000 |
| Equity capital | 30,721,000 | 31,016,000 | 31,718,000 | 31,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,300,000 | 10,883,000 | 16,533,000 | 21,930,000 |
| Interest expense | 2,349,000 | 4,959,000 | 7,631,000 | 10,040,000 |
| Net interest income | 2,951,000 | 5,924,000 | 8,902,000 | 11,890,000 |
| Noninterest income | 796,000 | 1,637,000 | 2,536,000 | 3,493,000 |
| Noninterest expense | 2,819,000 | 5,687,000 | 8,578,000 | 11,469,000 |
| Provision for loan losses | 140,000 | 340,000 | 530,000 | 2,790,000 |
| Pretax income | 788,000 | 1,534,000 | 2,330,000 | 1,124,000 |
| Income tax | 259,000 | 495,000 | 744,000 | 128,000 |
| Net income | 529,000 | 1,039,000 | 1,586,000 | 996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,973,000 | 31,367,000 | 31,799,000 | 31,044,000 |
| Total capital | 33,523,000 | 33,128,000 | 33,652,000 | 34,468,000 |
| Risk-weighted assets | 283,554,000 | 285,894,000 | 278,638,000 | 283,834,000 |