Call reports 2005
SAINT MARTIN BANK AND TRUST COMPANY — 2005
What SAINT MARTIN BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 162,182,000 | 173,462,000 | 179,450,000 | 202,156,000 |
| Total loans | 110,132,000 | 118,459,000 | 125,040,000 | 123,420,000 |
| Allowance for loan losses | 2,479,000 | 2,506,000 | 2,506,000 | 2,495,000 |
| Securities available for sale | 34,030,000 | 33,567,000 | 31,571,000 | 52,201,000 |
| Securities held to maturity | 3,529,000 | 3,455,000 | 3,271,000 | 3,268,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,491,000 | 134,341,000 | 137,673,000 | 165,617,000 |
| Interest-bearing deposits | 95,885,000 | 107,869,000 | 108,608,000 | 123,694,000 |
| Noninterest-bearing deposits | 28,606,000 | 26,472,000 | 29,065,000 | 41,923,000 |
| Equity capital | 14,460,000 | 15,172,000 | 15,676,000 | 14,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,515,000 | 5,203,000 | 8,050,000 | 11,076,000 |
| Interest expense | 591,000 | 1,299,000 | 2,085,000 | 2,994,000 |
| Net interest income | 1,924,000 | 3,904,000 | 5,965,000 | 8,082,000 |
| Noninterest income | 358,000 | 831,000 | 1,216,000 | 1,615,000 |
| Noninterest expense | 1,201,000 | 2,438,000 | 3,794,000 | 5,568,000 |
| Provision for loan losses | 120,000 | 160,000 | 160,000 | 160,000 |
| Pretax income | 959,000 | 2,135,000 | 3,225,000 | 4,283,000 |
| Income tax | 0 | 0 | 0 | 62,000 |
| Net income | 959,000 | 2,135,000 | 3,225,000 | 4,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,883,000 | 14,388,000 | 15,060,000 | 14,062,000 |
| Total capital | 15,442,000 | 16,066,000 | 16,807,000 | 15,714,000 |
| Risk-weighted assets | 111,619,000 | 121,246,000 | 127,645,000 | 130,831,000 |