Call reports 2003
SAINT MARTIN BANK AND TRUST COMPANY — 2003
What SAINT MARTIN BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 148,259,000 | 152,191,000 | 147,808,000 | 160,285,000 |
| Total loans | 93,308,000 | 100,028,000 | 102,331,000 | 101,197,000 |
| Allowance for loan losses | 1,876,000 | 1,971,000 | 2,014,000 | 1,979,000 |
| Securities available for sale | 27,899,000 | 31,500,000 | 25,452,000 | 32,958,000 |
| Securities held to maturity | 5,392,000 | 5,743,000 | 5,426,000 | 5,105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,828,000 | 116,292,000 | 112,021,000 | 125,882,000 |
| Interest-bearing deposits | 84,212,000 | 90,017,000 | 86,264,000 | 95,875,000 |
| Noninterest-bearing deposits | 27,616,000 | 26,275,000 | 25,757,000 | 30,007,000 |
| Equity capital | 13,537,000 | 13,710,000 | 14,005,000 | 13,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,395,000 | 4,766,000 | 7,165,000 | 9,557,000 |
| Interest expense | 606,000 | 1,220,000 | 1,784,000 | 2,304,000 |
| Net interest income | 1,789,000 | 3,546,000 | 5,381,000 | 7,253,000 |
| Noninterest income | 346,000 | 656,000 | 981,000 | 1,275,000 |
| Noninterest expense | 1,129,000 | 2,272,000 | 3,466,000 | 4,879,000 |
| Provision for loan losses | 200,000 | 410,000 | 620,000 | 830,000 |
| Pretax income | 806,000 | 1,520,000 | 2,276,000 | 2,819,000 |
| Income tax | 1,240,000 | 1,240,000 | 1,240,000 | 1,240,000 |
| Net income | -434,000 | 280,000 | 1,036,000 | 1,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,688,000 | 11,935,000 | 12,480,000 | 11,996,000 |
| Total capital | 12,955,000 | 13,303,000 | 13,865,000 | 13,405,000 |
| Risk-weighted assets | 95,212,000 | 102,822,000 | 103,222,000 | 103,958,000 |