Call reports 2007
SAINT MARTIN BANK AND TRUST COMPANY — 2007
What SAINT MARTIN BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 205,077,000 | 200,118,000 | 202,299,000 | 272,949,000 |
| Total loans | 139,801,000 | 146,626,000 | 150,203,000 | 172,610,000 |
| Allowance for loan losses | 2,225,000 | 2,109,000 | 2,000,000 | 2,345,000 |
| Securities available for sale | 42,529,000 | 37,123,000 | 36,636,000 | 49,144,000 |
| Securities held to maturity | 2,044,000 | 1,559,000 | 1,364,000 | 1,362,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,508,000 | 160,623,000 | 156,280,000 | 222,702,000 |
| Interest-bearing deposits | 127,738,000 | 125,092,000 | 122,516,000 | 166,782,000 |
| Noninterest-bearing deposits | 37,770,000 | 35,531,000 | 33,764,000 | 55,921,000 |
| Equity capital | 18,107,000 | 18,870,000 | 20,465,000 | 28,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,725,000 | 7,612,000 | 11,458,000 | 15,653,000 |
| Interest expense | 1,187,000 | 2,474,000 | 3,660,000 | 4,947,000 |
| Net interest income | 2,538,000 | 5,138,000 | 7,798,000 | 10,706,000 |
| Noninterest income | 545,000 | 1,140,000 | 1,680,000 | 2,279,000 |
| Noninterest expense | 1,578,000 | 3,200,000 | 4,790,000 | 7,136,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 1,505,000 | 3,078,000 | 4,688,000 | 5,809,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,505,000 | 3,078,000 | 4,688,000 | 5,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,995,000 | 19,051,000 | 20,320,000 | 21,534,000 |
| Total capital | 19,784,000 | 20,892,000 | 22,197,000 | 23,818,000 |
| Risk-weighted assets | 142,679,000 | 146,994,000 | 150,043,000 | 182,694,000 |