Call reports 2013
ST. JOHNS BANK & TRUST COMPANY — 2013
What ST. JOHNS BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 312,832,000 | 313,643,000 | 307,453,000 | 307,112,000 |
| Total loans | 200,299,000 | 206,864,000 | 198,065,000 | 198,916,000 |
| Allowance for loan losses | 3,629,000 | 3,196,000 | 3,042,000 | 3,074,000 |
| Securities available for sale | 51,387,000 | 49,131,000 | 51,328,000 | 51,906,000 |
| Securities held to maturity | 14,578,000 | 16,441,000 | 16,724,000 | 16,952,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,305,000 | 283,304,000 | 277,894,000 | 277,098,000 |
| Interest-bearing deposits | 226,343,000 | 223,854,000 | 218,021,000 | 218,517,000 |
| Noninterest-bearing deposits | 55,962,000 | 59,450,000 | 59,873,000 | 58,581,000 |
| Equity capital | 29,265,000 | 28,935,000 | 28,385,000 | 29,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,914,000 | 5,639,000 | 8,453,000 | 11,204,000 |
| Interest expense | 228,000 | 443,000 | 652,000 | 855,000 |
| Net interest income | 2,686,000 | 5,196,000 | 7,801,000 | 10,349,000 |
| Noninterest income | 324,000 | 646,000 | 992,000 | 1,389,000 |
| Noninterest expense | 2,447,000 | 5,012,000 | 7,546,000 | 9,809,000 |
| Provision for loan losses | 210,000 | 480,000 | 690,000 | 690,000 |
| Pretax income | 353,000 | 350,000 | 557,000 | 1,239,000 |
| Income tax | 94,000 | 60,000 | 100,000 | 314,000 |
| Net income | 259,000 | 290,000 | 457,000 | 925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,388,000 | 27,012,000 | 26,990,000 | 27,238,000 |
| Total capital | 30,204,000 | 29,965,000 | 29,759,000 | 30,009,000 |
| Risk-weighted assets | 224,504,000 | 236,005,000 | 221,232,000 | 221,349,000 |