Call reports 2015
ST. JOHNS BANK & TRUST COMPANY — 2015
What ST. JOHNS BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 302,387,000 | 299,495,000 | 302,622,000 | 297,853,000 |
| Total loans | 206,593,000 | 211,548,000 | 206,478,000 | 206,664,000 |
| Allowance for loan losses | 2,598,000 | 2,735,000 | 3,117,000 | 3,316,000 |
| Securities available for sale | 41,924,000 | 42,909,000 | 33,998,000 | 41,823,000 |
| Securities held to maturity | 19,698,000 | 20,492,000 | 20,990,000 | 20,989,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,985,000 | 270,012,000 | 272,871,000 | 268,431,000 |
| Interest-bearing deposits | 211,368,000 | 208,592,000 | 207,328,000 | 204,262,000 |
| Noninterest-bearing deposits | 61,617,000 | 61,420,000 | 65,543,000 | 64,169,000 |
| Equity capital | 28,989,000 | 28,875,000 | 28,958,000 | 28,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,614,000 | 5,296,000 | 8,048,000 | 10,570,000 |
| Interest expense | 155,000 | 299,000 | 432,000 | 558,000 |
| Net interest income | 2,459,000 | 4,997,000 | 7,616,000 | 10,012,000 |
| Noninterest income | 367,000 | 708,000 | 1,047,000 | 1,416,000 |
| Noninterest expense | 2,325,000 | 4,651,000 | 6,900,000 | 9,242,000 |
| Provision for loan losses | 180,000 | 360,000 | 750,000 | 950,000 |
| Pretax income | 321,000 | 694,000 | 1,013,000 | 1,236,000 |
| Income tax | 67,000 | 158,000 | 225,000 | 254,000 |
| Net income | 254,000 | 536,000 | 788,000 | 982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,127,000 | 26,647,000 | 26,521,000 | 26,495,000 |
| Total capital | 30,725,000 | 29,382,000 | 29,343,000 | 29,346,000 |
| Risk-weighted assets | 230,751,000 | 227,800,000 | 224,043,000 | 226,151,000 |