Call reports 2010
SAINT MARTIN BANK AND TRUST COMPANY — 2010
What SAINT MARTIN BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 306,260,000 | 313,026,000 | 316,094,000 | 323,728,000 |
| Total loans | 219,203,000 | 225,790,000 | 226,099,000 | 222,164,000 |
| Allowance for loan losses | 3,244,000 | 3,372,000 | 3,672,000 | 3,466,000 |
| Securities available for sale | 43,403,000 | 40,118,000 | 39,828,000 | 39,928,000 |
| Securities held to maturity | 935,000 | 1,405,000 | 1,350,000 | 2,950,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,199,000 | 257,889,000 | 261,566,000 | 270,591,000 |
| Interest-bearing deposits | 193,309,000 | 196,394,000 | 189,010,000 | 192,625,000 |
| Noninterest-bearing deposits | 58,890,000 | 61,495,000 | 72,555,000 | 77,965,000 |
| Equity capital | 37,725,000 | 37,890,000 | 38,538,000 | 37,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,524,000 | 8,990,000 | 13,357,000 | 17,808,000 |
| Interest expense | 669,000 | 1,305,000 | 1,951,000 | 2,579,000 |
| Net interest income | 3,855,000 | 7,685,000 | 11,406,000 | 15,229,000 |
| Noninterest income | 810,000 | 1,654,000 | 2,467,000 | 3,259,000 |
| Noninterest expense | 2,538,000 | 5,279,000 | 8,110,000 | 11,401,000 |
| Provision for loan losses | 150,000 | 300,000 | 600,000 | 900,000 |
| Pretax income | 1,977,000 | 3,760,000 | 5,163,000 | 6,187,000 |
| Income tax | 0 | 0 | 17,000 | 34,000 |
| Net income | 1,977,000 | 3,760,000 | 5,146,000 | 6,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,276,000 | 30,383,000 | 30,950,000 | 30,076,000 |
| Total capital | 32,997,000 | 33,161,000 | 33,738,000 | 32,866,000 |
| Risk-weighted assets | 217,154,000 | 221,626,000 | 222,120,000 | 222,546,000 |