Call reports 2004
SAINT MARTIN BANK AND TRUST COMPANY — 2004
What SAINT MARTIN BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 160,655,000 | 153,965,000 | 159,302,000 | 165,190,000 |
| Total loans | 103,983,000 | 100,955,000 | 105,037,000 | 106,163,000 |
| Allowance for loan losses | 2,013,000 | 2,081,000 | 2,241,000 | 2,363,000 |
| Securities available for sale | 25,755,000 | 27,396,000 | 31,330,000 | 39,470,000 |
| Securities held to maturity | 4,981,000 | 4,383,000 | 4,378,000 | 4,014,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,088,000 | 119,291,000 | 122,571,000 | 130,141,000 |
| Interest-bearing deposits | 92,969,000 | 88,359,000 | 94,800,000 | 99,062,000 |
| Noninterest-bearing deposits | 31,119,000 | 30,932,000 | 27,771,000 | 31,079,000 |
| Equity capital | 14,242,000 | 13,937,000 | 14,976,000 | 13,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,402,000 | 4,802,000 | 7,183,000 | 9,638,000 |
| Interest expense | 511,000 | 1,038,000 | 1,542,000 | 2,101,000 |
| Net interest income | 1,891,000 | 3,764,000 | 5,641,000 | 7,537,000 |
| Noninterest income | 270,000 | 645,000 | 1,058,000 | 1,367,000 |
| Noninterest expense | 1,199,000 | 2,380,000 | 3,555,000 | 4,971,000 |
| Provision for loan losses | 210,000 | 420,000 | 630,000 | 840,000 |
| Pretax income | 752,000 | 1,624,000 | 2,529,000 | 3,110,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 752,000 | 1,624,000 | 2,529,000 | 3,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,789,000 | 13,194,000 | 13,887,000 | 12,882,000 |
| Total capital | 14,225,000 | 14,599,000 | 15,348,000 | 14,417,000 |
| Risk-weighted assets | 106,214,000 | 103,087,000 | 106,603,000 | 110,863,000 |