Call reports 2014
SAINT MARTIN BANK AND TRUST COMPANY — 2014
What SAINT MARTIN BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 447,652,000 | 459,673,000 | 466,617,000 | 525,828,000 |
| Total loans | 325,688,000 | 351,286,000 | 368,568,000 | 395,689,000 |
| Allowance for loan losses | 3,605,000 | 3,805,000 | 4,381,000 | 4,868,000 |
| Securities available for sale | 47,230,000 | 44,963,000 | 45,257,000 | 50,010,000 |
| Securities held to maturity | 3,581,000 | 3,531,000 | 3,531,000 | 3,526,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,615,000 | 392,385,000 | 397,873,000 | 458,735,000 |
| Interest-bearing deposits | 247,132,000 | 250,956,000 | 260,414,000 | 303,639,000 |
| Noninterest-bearing deposits | 133,482,000 | 141,428,000 | 137,458,000 | 155,096,000 |
| Equity capital | 47,705,000 | 48,619,000 | 50,446,000 | 48,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,536,000 | 11,347,000 | 17,597,000 | 24,197,000 |
| Interest expense | 429,000 | 873,000 | 1,327,000 | 1,801,000 |
| Net interest income | 5,107,000 | 10,474,000 | 16,270,000 | 22,396,000 |
| Noninterest income | 861,000 | 1,780,000 | 2,843,000 | 3,774,000 |
| Noninterest expense | 2,906,000 | 5,839,000 | 8,988,000 | 13,227,000 |
| Provision for loan losses | 165,000 | 405,000 | 913,000 | 1,261,000 |
| Pretax income | 2,897,000 | 6,010,000 | 9,218,000 | 11,688,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,897,000 | 6,010,000 | 9,218,000 | 11,688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,677,000 | 43,422,000 | 45,343,000 | 42,914,000 |
| Total capital | 46,282,000 | 47,229,000 | 49,678,000 | 47,612,000 |
| Risk-weighted assets | 315,125,000 | 334,737,000 | 346,740,000 | 375,635,000 |