Call reports 2013
SAINT MARTIN BANK AND TRUST COMPANY — 2013
What SAINT MARTIN BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 416,039,000 | 411,981,000 | 420,507,000 | 422,451,000 |
| Total loans | 291,107,000 | 301,435,000 | 314,690,000 | 312,423,000 |
| Allowance for loan losses | 3,682,000 | 3,770,000 | 3,689,000 | 3,523,000 |
| Securities available for sale | 46,871,000 | 47,820,000 | 48,800,000 | 48,929,000 |
| Securities held to maturity | 2,979,000 | 2,979,000 | 3,679,000 | 3,538,000 |
| Trading assets | 0 | 930,000 | 0 | 0 |
| Total deposits | 340,565,000 | 338,763,000 | 343,632,000 | 347,244,000 |
| Interest-bearing deposits | 224,145,000 | 222,760,000 | 222,439,000 | 226,214,000 |
| Noninterest-bearing deposits | 116,420,000 | 116,003,000 | 121,192,000 | 121,030,000 |
| Equity capital | 44,595,000 | 44,281,000 | 46,082,000 | 44,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,257,000 | 10,505,000 | 15,996,000 | 21,477,000 |
| Interest expense | 479,000 | 964,000 | 1,422,000 | 1,856,000 |
| Net interest income | 4,778,000 | 9,541,000 | 14,574,000 | 19,621,000 |
| Noninterest income | 891,000 | 1,860,000 | 2,744,000 | 3,659,000 |
| Noninterest expense | 2,865,000 | 5,891,000 | 8,801,000 | 12,412,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 2,729,000 | 5,357,000 | 8,290,000 | 10,566,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,729,000 | 5,357,000 | 8,290,000 | 10,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,992,000 | 39,612,000 | 41,316,000 | 39,980,000 |
| Total capital | 42,557,000 | 43,239,000 | 45,005,000 | 43,503,000 |
| Risk-weighted assets | 285,079,000 | 290,053,000 | 299,571,000 | 300,613,000 |