Call reports 2001
SAINT MARTIN BANK AND TRUST COMPANY — 2001
What SAINT MARTIN BANK AND TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 125,857,000 | 127,067,000 | 132,623,000 | 136,984,000 |
| Total loans | 76,396,000 | 77,927,000 | 76,671,000 | 76,905,000 |
| Allowance for loan losses | 1,600,000 | 1,675,000 | 1,681,000 | 1,430,000 |
| Securities available for sale | 26,941,000 | 31,360,000 | 37,136,000 | 38,177,000 |
| Securities held to maturity | 5,209,000 | 5,763,000 | 5,641,000 | 5,316,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,947,000 | 99,138,000 | 102,192,000 | 105,434,000 |
| Interest-bearing deposits | 79,748,000 | 81,130,000 | 83,077,000 | 82,501,000 |
| Noninterest-bearing deposits | 18,199,000 | 18,008,000 | 19,115,000 | 22,934,000 |
| Equity capital | 15,625,000 | 15,631,000 | 16,304,000 | 15,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,593,000 | 5,086,000 | 7,584,000 | 10,052,000 |
| Interest expense | 1,053,000 | 2,120,000 | 3,115,000 | 4,019,000 |
| Net interest income | 1,540,000 | 2,966,000 | 4,469,000 | 6,033,000 |
| Noninterest income | 199,000 | 435,000 | 663,000 | 879,000 |
| Noninterest expense | 1,086,000 | 2,067,000 | 3,069,000 | 4,344,000 |
| Provision for loan losses | 0 | 75,000 | 145,000 | 405,000 |
| Pretax income | 653,000 | 1,259,000 | 1,918,000 | 2,163,000 |
| Income tax | 196,000 | 378,000 | 575,000 | 643,000 |
| Net income | 457,000 | 881,000 | 1,343,000 | 1,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,829,000 | 13,848,000 | 14,351,000 | 14,190,000 |
| Total capital | 14,904,000 | 14,951,000 | 15,445,000 | 15,300,000 |
| Risk-weighted assets | 81,396,000 | 82,422,000 | 82,036,000 | 82,696,000 |