Call reports 2009
ST. JOHNS BANK & TRUST COMPANY — 2009
What ST. JOHNS BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 342,264,000 | 348,173,000 | 337,893,000 | 330,157,000 |
| Total loans | 256,826,000 | 252,286,000 | 246,303,000 | 244,209,000 |
| Allowance for loan losses | 2,462,000 | 2,224,000 | 6,802,000 | 6,192,000 |
| Securities available for sale | 36,679,000 | 38,291,000 | 35,231,000 | 34,070,000 |
| Securities held to maturity | 13,467,000 | 13,970,000 | 13,968,000 | 13,967,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,660,000 | 296,142,000 | 292,009,000 | 285,357,000 |
| Interest-bearing deposits | 240,758,000 | 245,344,000 | 242,502,000 | 233,761,000 |
| Noninterest-bearing deposits | 49,902,000 | 50,798,000 | 49,507,000 | 51,596,000 |
| Equity capital | 35,545,000 | 35,637,000 | 30,031,000 | 29,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,075,000 | 8,296,000 | 12,430,000 | 16,164,000 |
| Interest expense | 1,475,000 | 2,838,000 | 4,118,000 | 5,230,000 |
| Net interest income | 2,600,000 | 5,458,000 | 8,312,000 | 10,934,000 |
| Noninterest income | 772,000 | 1,523,000 | 775,000 | 905,000 |
| Noninterest expense | 2,694,000 | 5,429,000 | 8,188,000 | 11,044,000 |
| Provision for loan losses | 210,000 | 450,000 | 8,350,000 | 9,934,000 |
| Pretax income | 468,000 | 1,102,000 | -7,451,000 | -9,139,000 |
| Income tax | 130,000 | 371,000 | -2,645,000 | -3,509,000 |
| Net income | 338,000 | 731,000 | -4,806,000 | -5,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,359,000 | 35,614,000 | 29,966,000 | 28,991,000 |
| Total capital | 37,821,000 | 37,838,000 | 33,322,000 | 32,244,000 |
| Risk-weighted assets | 272,469,000 | 271,040,000 | 265,097,000 | 257,334,000 |