Call reports 2012
ST. JOHNS BANK & TRUST COMPANY — 2012
What ST. JOHNS BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 309,060,000 | 316,685,000 | 315,544,000 | 312,551,000 |
| Total loans | 221,988,000 | 214,993,000 | 205,872,000 | 205,760,000 |
| Allowance for loan losses | 4,050,000 | 4,428,000 | 4,100,000 | 3,568,000 |
| Securities available for sale | 24,603,000 | 28,731,000 | 30,436,000 | 49,456,000 |
| Securities held to maturity | 19,574,000 | 15,231,000 | 12,880,000 | 13,273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,342,000 | 285,640,000 | 284,699,000 | 282,159,000 |
| Interest-bearing deposits | 221,424,000 | 225,690,000 | 226,601,000 | 223,639,000 |
| Noninterest-bearing deposits | 56,918,000 | 59,950,000 | 58,098,000 | 58,520,000 |
| Equity capital | 29,435,000 | 29,540,000 | 29,482,000 | 29,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,271,000 | 6,452,000 | 9,388,000 | 12,329,000 |
| Interest expense | 409,000 | 753,000 | 1,058,000 | 1,305,000 |
| Net interest income | 2,862,000 | 5,699,000 | 8,330,000 | 11,024,000 |
| Noninterest income | 758,000 | 1,255,000 | 1,702,000 | 2,185,000 |
| Noninterest expense | 2,505,000 | 5,109,000 | 7,765,000 | 10,411,000 |
| Provision for loan losses | 320,000 | 610,000 | 820,000 | 1,030,000 |
| Pretax income | 795,000 | 1,235,000 | 1,447,000 | 1,768,000 |
| Income tax | 254,000 | 383,000 | 458,000 | 543,000 |
| Net income | 541,000 | 852,000 | 989,000 | 1,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,050,000 | 27,202,000 | 27,550,000 | 27,347,000 |
| Total capital | 32,043,000 | 30,111,000 | 30,407,000 | 30,189,000 |
| Risk-weighted assets | 238,409,000 | 231,200,000 | 227,297,000 | 226,597,000 |