Call reports 2010
ST. JOHNS BANK & TRUST COMPANY — 2010
What ST. JOHNS BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 311,130,000 | 309,771,000 | 307,760,000 | 303,551,000 |
| Total loans | 234,448,000 | 241,103,000 | 236,049,000 | 231,491,000 |
| Allowance for loan losses | 5,723,000 | 7,707,000 | 7,616,000 | 8,849,000 |
| Securities available for sale | 31,292,000 | 33,046,000 | 31,964,000 | 36,456,000 |
| Securities held to maturity | 13,729,000 | 13,728,000 | 13,441,000 | 13,325,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,990,000 | 279,101,000 | 276,621,000 | 273,850,000 |
| Interest-bearing deposits | 231,382,000 | 231,102,000 | 230,722,000 | 226,933,000 |
| Noninterest-bearing deposits | 49,608,000 | 47,999,000 | 45,899,000 | 46,917,000 |
| Equity capital | 29,505,000 | 29,802,000 | 30,166,000 | 28,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,727,000 | 7,513,000 | 11,266,000 | 14,608,000 |
| Interest expense | 905,000 | 1,653,000 | 2,344,000 | 2,992,000 |
| Net interest income | 2,822,000 | 5,860,000 | 8,922,000 | 11,616,000 |
| Noninterest income | 712,000 | 1,448,000 | 1,978,000 | 2,173,000 |
| Noninterest expense | 2,664,000 | 5,504,000 | 8,173,000 | 10,683,000 |
| Provision for loan losses | 220,000 | 460,000 | 800,000 | 2,290,000 |
| Pretax income | 650,000 | 1,344,000 | 1,927,000 | 816,000 |
| Income tax | 189,000 | 394,000 | 560,000 | 235,000 |
| Net income | 461,000 | 950,000 | 1,367,000 | 581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,302,000 | 29,640,000 | 29,894,000 | 28,944,000 |
| Total capital | 32,473,000 | 32,914,000 | 33,046,000 | 32,083,000 |
| Risk-weighted assets | 251,138,000 | 257,521,000 | 247,735,000 | 245,409,000 |