Call reports 2008
SAINT MARTIN BANK AND TRUST COMPANY — 2008
What SAINT MARTIN BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 273,785,000 | 271,228,000 | 287,792,000 | 299,275,000 |
| Total loans | 180,666,000 | 189,411,000 | 199,688,000 | 197,596,000 |
| Allowance for loan losses | 2,350,000 | 2,341,000 | 2,560,000 | 2,830,000 |
| Securities available for sale | 48,931,000 | 47,003,000 | 43,358,000 | 57,130,000 |
| Securities held to maturity | 1,337,000 | 1,295,000 | 1,293,000 | 1,192,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,016,000 | 221,545,000 | 238,418,000 | 254,177,000 |
| Interest-bearing deposits | 169,298,000 | 164,938,000 | 180,644,000 | 193,604,000 |
| Noninterest-bearing deposits | 53,718,000 | 56,607,000 | 57,775,000 | 60,573,000 |
| Equity capital | 30,194,000 | 30,187,000 | 31,283,000 | 32,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,702,000 | 9,356,000 | 13,988,000 | 18,613,000 |
| Interest expense | 1,345,000 | 2,500,000 | 3,593,000 | 4,639,000 |
| Net interest income | 3,357,000 | 6,856,000 | 10,395,000 | 13,974,000 |
| Noninterest income | 673,000 | 1,367,000 | 2,045,000 | 2,760,000 |
| Noninterest expense | 2,567,000 | 5,040,000 | 7,603,000 | 10,570,000 |
| Provision for loan losses | 60,000 | 200,000 | 515,000 | 833,000 |
| Pretax income | 1,403,000 | 2,975,000 | 4,314,000 | 5,323,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,403,000 | 2,975,000 | 4,314,000 | 5,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,038,000 | 23,677,000 | 24,661,000 | 24,487,000 |
| Total capital | 25,369,000 | 26,018,000 | 27,221,000 | 27,004,000 |
| Risk-weighted assets | 186,473,000 | 193,492,000 | 204,970,000 | 201,041,000 |