Call reports 2016
ST. JOHNS BANK & TRUST COMPANY — 2016
What ST. JOHNS BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 293,899,000 | 295,293,000 | 293,270,000 | 289,845,000 |
| Total loans | 204,013,000 | 203,576,000 | 203,198,000 | 192,636,000 |
| Allowance for loan losses | 2,509,000 | 2,654,000 | 2,777,000 | 2,856,000 |
| Securities available for sale | 37,994,000 | 32,017,000 | 42,975,000 | 44,396,000 |
| Securities held to maturity | 20,393,000 | 21,582,000 | 21,039,000 | 21,530,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,348,000 | 265,620,000 | 263,590,000 | 261,381,000 |
| Interest-bearing deposits | 204,189,000 | 205,226,000 | 202,395,000 | 201,171,000 |
| Noninterest-bearing deposits | 60,159,000 | 60,394,000 | 61,195,000 | 60,210,000 |
| Equity capital | 28,893,000 | 28,968,000 | 29,044,000 | 28,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,596,000 | 5,216,000 | 7,806,000 | 10,494,000 |
| Interest expense | 120,000 | 240,000 | 360,000 | 476,000 |
| Net interest income | 2,476,000 | 4,976,000 | 7,446,000 | 10,018,000 |
| Noninterest income | 323,000 | 654,000 | 1,015,000 | 539,000 |
| Noninterest expense | 2,381,000 | 4,710,000 | 7,085,000 | 9,547,000 |
| Provision for loan losses | 180,000 | 300,000 | 420,000 | 480,000 |
| Pretax income | 238,000 | 620,000 | 956,000 | 530,000 |
| Income tax | 35,000 | 128,000 | 130,000 | -61,000 |
| Net income | 203,000 | 492,000 | 826,000 | 591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,468,000 | 26,501,000 | 27,149,000 | 26,684,000 |
| Total capital | 28,977,000 | 29,155,000 | 29,851,000 | 29,264,000 |
| Risk-weighted assets | 214,899,000 | 213,637,000 | 215,358,000 | 205,381,000 |