Call reports 2006
SAINT MARTIN BANK AND TRUST COMPANY — 2006
What SAINT MARTIN BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 180,706,000 | 191,910,000 | 190,524,000 | 200,051,000 |
| Total loans | 126,676,000 | 133,710,000 | 136,071,000 | 138,416,000 |
| Allowance for loan losses | 2,477,000 | 2,388,000 | 2,347,000 | 2,281,000 |
| Securities available for sale | 37,931,000 | 38,471,000 | 39,772,000 | 44,366,000 |
| Securities held to maturity | 2,359,000 | 2,271,000 | 2,269,000 | 2,268,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,815,000 | 153,313,000 | 149,649,000 | 160,505,000 |
| Interest-bearing deposits | 114,136,000 | 119,666,000 | 118,094,000 | 125,505,000 |
| Noninterest-bearing deposits | 32,679,000 | 33,647,000 | 31,555,000 | 35,000,000 |
| Equity capital | 15,311,000 | 15,648,000 | 16,934,000 | 16,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,161,000 | 6,449,000 | 9,905,000 | 13,503,000 |
| Interest expense | 924,000 | 1,931,000 | 3,010,000 | 4,173,000 |
| Net interest income | 2,237,000 | 4,518,000 | 6,895,000 | 9,330,000 |
| Noninterest income | 415,000 | 869,000 | 1,369,000 | 1,950,000 |
| Noninterest expense | 1,466,000 | 2,951,000 | 4,519,000 | 6,356,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,187,000 | 2,437,000 | 3,746,000 | 4,925,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,187,000 | 2,437,000 | 3,746,000 | 4,925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,291,000 | 15,871,000 | 16,865,000 | 16,454,000 |
| Total capital | 16,939,000 | 17,620,000 | 18,618,000 | 18,250,000 |
| Risk-weighted assets | 130,910,000 | 139,018,000 | 139,660,000 | 143,172,000 |