Call reports 2014
ST. JOHNS BANK & TRUST COMPANY — 2014
What ST. JOHNS BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 303,959,000 | 303,830,000 | 303,195,000 | 300,941,000 |
| Total loans | 196,946,000 | 199,246,000 | 203,022,000 | 201,206,000 |
| Allowance for loan losses | 2,520,000 | 2,611,000 | 2,802,000 | 2,449,000 |
| Securities available for sale | 51,887,000 | 52,178,000 | 47,683,000 | 40,912,000 |
| Securities held to maturity | 17,156,000 | 18,594,000 | 19,437,000 | 19,935,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,824,000 | 274,217,000 | 273,833,000 | 271,689,000 |
| Interest-bearing deposits | 216,294,000 | 216,526,000 | 215,365,000 | 211,322,000 |
| Noninterest-bearing deposits | 57,530,000 | 57,691,000 | 58,468,000 | 60,367,000 |
| Equity capital | 29,024,000 | 28,950,000 | 28,815,000 | 28,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,634,000 | 5,187,000 | 7,838,000 | 10,512,000 |
| Interest expense | 184,000 | 362,000 | 539,000 | 710,000 |
| Net interest income | 2,450,000 | 4,825,000 | 7,299,000 | 9,802,000 |
| Noninterest income | 339,000 | 250,000 | 608,000 | 985,000 |
| Noninterest expense | 2,368,000 | 4,735,000 | 7,140,000 | 9,576,000 |
| Provision for loan losses | 180,000 | 300,000 | 480,000 | 720,000 |
| Pretax income | 241,000 | 40,000 | 287,000 | 491,000 |
| Income tax | 46,000 | -54,000 | -6,000 | 30,000 |
| Net income | 195,000 | 94,000 | 293,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,240,000 | 27,071,000 | 27,031,000 | 27,140,000 |
| Total capital | 29,760,000 | 29,682,000 | 29,833,000 | 29,589,000 |
| Risk-weighted assets | 220,037,000 | 221,797,000 | 226,243,000 | 220,706,000 |