Call reports 2002
SAINT MARTIN BANK AND TRUST COMPANY — 2002
What SAINT MARTIN BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 137,728,000 | 137,894,000 | 146,890,000 | 148,698,000 |
| Total loans | 84,372,000 | 88,429,000 | 92,898,000 | 88,939,000 |
| Allowance for loan losses | 1,426,000 | 1,547,000 | 1,698,000 | 1,764,000 |
| Securities available for sale | 32,212,000 | 28,108,000 | 25,308,000 | 33,564,000 |
| Securities held to maturity | 7,033,000 | 7,637,000 | 7,940,000 | 5,961,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,053,000 | 102,212,000 | 106,812,000 | 113,933,000 |
| Interest-bearing deposits | 76,566,000 | 80,605,000 | 82,157,000 | 87,155,000 |
| Noninterest-bearing deposits | 24,487,000 | 21,607,000 | 24,655,000 | 26,778,000 |
| Equity capital | 16,045,000 | 16,496,000 | 17,155,000 | 13,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,371,000 | 4,770,000 | 7,253,000 | 9,702,000 |
| Interest expense | 720,000 | 1,478,000 | 2,151,000 | 2,832,000 |
| Net interest income | 1,651,000 | 3,292,000 | 5,102,000 | 6,870,000 |
| Noninterest income | 203,000 | 445,000 | 694,000 | 945,000 |
| Noninterest expense | 1,084,000 | 2,156,000 | 3,220,000 | 4,584,000 |
| Provision for loan losses | 120,000 | 285,000 | 480,000 | 675,000 |
| Pretax income | 650,000 | 1,292,000 | 2,090,000 | 2,550,000 |
| Income tax | 195,000 | 388,000 | 627,000 | 758,000 |
| Net income | 455,000 | 904,000 | 1,463,000 | 1,792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,586,000 | 14,778,000 | 15,379,000 | 12,080,000 |
| Total capital | 15,775,000 | 16,005,000 | 16,672,000 | 13,325,000 |
| Risk-weighted assets | 88,654,000 | 91,279,000 | 96,747,000 | 92,671,000 |