Call reports 2008
ST. JOHNS BANK & TRUST COMPANY — 2008
What ST. JOHNS BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 348,052,000 | 341,572,000 | 342,007,000 | 337,676,000 |
| Total loans | 251,986,000 | 251,710,000 | 257,386,000 | 262,278,000 |
| Allowance for loan losses | 3,628,000 | 3,773,000 | 3,528,000 | 2,222,000 |
| Securities available for sale | 38,706,000 | 51,846,000 | 47,494,000 | 38,725,000 |
| Securities held to maturity | 15,696,000 | 16,373,000 | 17,061,000 | 17,059,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,104,000 | 290,274,000 | 287,598,000 | 286,583,000 |
| Interest-bearing deposits | 247,695,000 | 240,895,000 | 236,682,000 | 235,221,000 |
| Noninterest-bearing deposits | 49,409,000 | 49,379,000 | 50,916,000 | 51,362,000 |
| Equity capital | 32,097,000 | 31,552,000 | 32,143,000 | 32,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,031,000 | 9,673,000 | 14,115,000 | 18,339,000 |
| Interest expense | 2,143,000 | 3,955,000 | 5,656,000 | 7,280,000 |
| Net interest income | 2,888,000 | 5,718,000 | 8,459,000 | 11,059,000 |
| Noninterest income | 847,000 | 1,614,000 | 2,121,000 | 2,935,000 |
| Noninterest expense | 2,845,000 | 5,895,000 | 8,651,000 | 11,459,000 |
| Provision for loan losses | 210,000 | 420,000 | 560,000 | 970,000 |
| Pretax income | 680,000 | 1,017,000 | 1,369,000 | 1,565,000 |
| Income tax | 236,000 | 269,000 | 347,000 | 370,000 |
| Net income | 444,000 | 748,000 | 1,022,000 | 1,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,709,000 | 31,903,000 | 32,067,000 | 32,131,000 |
| Total capital | 35,151,000 | 35,334,000 | 35,480,000 | 34,353,000 |
| Risk-weighted assets | 275,073,000 | 274,174,000 | 272,910,000 | 276,254,000 |