Call reports 2025
ST. JOHNS BANK & TRUST COMPANY — 2025
What ST. JOHNS BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 305,330,000 | 305,024,000 | 306,216,000 | 305,144,000 |
| Total loans | 229,407,000 | 232,126,000 | 224,448,000 | 226,052,000 |
| Allowance for loan losses | 3,777,000 | 3,810,000 | 3,557,000 | 3,598,000 |
| Securities available for sale | 57,329,000 | 52,803,000 | 50,314,000 | 61,900,000 |
| Securities held to maturity | 1,945,000 | 1,939,000 | 1,933,000 | 1,927,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,199,000 | 270,147,000 | 270,272,000 | 268,552,000 |
| Interest-bearing deposits | 194,158,000 | 189,872,000 | 190,569,000 | 187,213,000 |
| Noninterest-bearing deposits | 77,041,000 | 80,275,000 | 79,703,000 | 81,339,000 |
| Equity capital | 33,309,000 | 34,243,000 | 35,091,000 | 35,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,473,000 | 7,067,000 | 10,792,000 | 14,685,000 |
| Interest expense | 246,000 | 458,000 | 675,000 | 912,000 |
| Net interest income | 3,227,000 | 6,609,000 | 10,117,000 | 13,773,000 |
| Noninterest income | 236,000 | 470,000 | 742,000 | 1,002,000 |
| Noninterest expense | 2,604,000 | 5,243,000 | 8,139,000 | 11,078,000 |
| Provision for loan losses | 45,000 | 89,000 | 116,000 | 161,000 |
| Pretax income | 814,000 | 1,746,000 | 2,585,000 | 3,517,000 |
| Income tax | 194,000 | 424,000 | 630,000 | 847,000 |
| Net income | 620,000 | 1,322,000 | 1,955,000 | 2,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,585,000 | 35,147,000 | 35,613,000 | 36,203,000 |