Call reports 2015
SAINT MARTIN BANK AND TRUST COMPANY — 2015
What SAINT MARTIN BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 533,295,000 | 531,396,000 | 530,152,000 | 538,493,000 |
| Total loans | 404,122,000 | 418,567,000 | 425,210,000 | 419,051,000 |
| Allowance for loan losses | 5,174,000 | 5,499,000 | 5,622,000 | 5,620,000 |
| Securities available for sale | 48,630,000 | 50,111,000 | 49,104,000 | 46,413,000 |
| Securities held to maturity | 3,306,000 | 3,682,000 | 3,496,000 | 3,489,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 463,475,000 | 461,903,000 | 454,650,000 | 462,938,000 |
| Interest-bearing deposits | 303,103,000 | 304,554,000 | 302,732,000 | 313,368,000 |
| Noninterest-bearing deposits | 160,372,000 | 157,349,000 | 151,919,000 | 149,570,000 |
| Equity capital | 50,261,000 | 51,585,000 | 53,832,000 | 52,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,495,000 | 13,182,000 | 19,939,000 | 26,782,000 |
| Interest expense | 476,000 | 965,000 | 1,435,000 | 1,935,000 |
| Net interest income | 6,019,000 | 12,217,000 | 18,504,000 | 24,847,000 |
| Noninterest income | 999,000 | 2,035,000 | 3,055,000 | 4,139,000 |
| Noninterest expense | 3,502,000 | 7,195,000 | 10,747,000 | 15,190,000 |
| Provision for loan losses | 348,000 | 696,000 | 900,000 | 1,032,000 |
| Pretax income | 3,168,000 | 6,361,000 | 9,912,000 | 12,764,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,168,000 | 6,361,000 | 9,912,000 | 12,764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,062,000 | 46,686,000 | 48,673,000 | 47,573,000 |
| Total capital | 50,060,000 | 51,695,000 | 53,590,000 | 53,193,000 |
| Risk-weighted assets | 399,726,000 | 400,215,000 | 392,525,000 | 481,320,000 |