Call reports 2009
SAINT MARTIN BANK AND TRUST COMPANY — 2009
What SAINT MARTIN BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 299,143,000 | 292,098,000 | 299,321,000 | 312,484,000 |
| Total loans | 203,053,000 | 210,616,000 | 216,420,000 | 214,927,000 |
| Allowance for loan losses | 2,924,000 | 3,041,000 | 3,180,000 | 3,121,000 |
| Securities available for sale | 50,614,000 | 46,035,000 | 43,164,000 | 48,361,000 |
| Securities held to maturity | 1,166,000 | 1,165,000 | 1,164,000 | 1,063,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,932,000 | 240,061,000 | 245,118,000 | 260,018,000 |
| Interest-bearing deposits | 192,117,000 | 181,597,000 | 188,672,000 | 202,145,000 |
| Noninterest-bearing deposits | 56,815,000 | 58,465,000 | 56,446,000 | 57,872,000 |
| Equity capital | 34,288,000 | 34,870,000 | 36,561,000 | 35,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,595,000 | 9,109,000 | 13,643,000 | 18,168,000 |
| Interest expense | 853,000 | 1,661,000 | 2,389,000 | 3,088,000 |
| Net interest income | 3,742,000 | 7,448,000 | 11,254,000 | 15,080,000 |
| Noninterest income | 934,000 | 1,790,000 | 2,595,000 | 3,378,000 |
| Noninterest expense | 2,478,000 | 5,354,000 | 8,101,000 | 10,981,000 |
| Provision for loan losses | 225,000 | 410,000 | 515,000 | 620,000 |
| Pretax income | 1,991,000 | 3,492,000 | 5,251,000 | 6,875,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,991,000 | 3,492,000 | 5,251,000 | 6,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,546,000 | 27,263,000 | 28,698,000 | 28,262,000 |
| Total capital | 29,170,000 | 29,837,000 | 31,385,000 | 30,976,000 |
| Risk-weighted assets | 209,624,000 | 210,530,000 | 214,443,000 | 216,720,000 |