Call reports 2016
SAINT MARTIN BANK AND TRUST COMPANY — 2016
What SAINT MARTIN BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 558,788,000 | 554,386,000 | 569,468,000 | 580,430,000 |
| Total loans | 426,703,000 | 438,182,000 | 444,743,000 | 443,002,000 |
| Allowance for loan losses | 5,714,000 | 5,702,000 | 5,931,000 | 5,756,000 |
| Securities available for sale | 52,061,000 | 53,343,000 | 54,358,000 | 48,674,000 |
| Securities held to maturity | 3,158,000 | 3,117,000 | 3,116,000 | 3,114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 479,530,000 | 471,087,000 | 481,381,000 | 496,345,000 |
| Interest-bearing deposits | 321,903,000 | 321,142,000 | 331,808,000 | 342,454,000 |
| Noninterest-bearing deposits | 157,627,000 | 149,945,000 | 149,573,000 | 153,891,000 |
| Equity capital | 54,643,000 | 56,902,000 | 58,908,000 | 55,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,785,000 | 13,729,000 | 20,988,000 | 27,878,000 |
| Interest expense | 524,000 | 1,073,000 | 1,645,000 | 2,252,000 |
| Net interest income | 6,261,000 | 12,656,000 | 19,343,000 | 25,626,000 |
| Noninterest income | 945,000 | 2,012,000 | 3,091,000 | 4,218,000 |
| Noninterest expense | 3,423,000 | 7,124,000 | 10,857,000 | 15,733,000 |
| Provision for loan losses | 166,000 | 298,000 | 430,000 | 1,277,000 |
| Pretax income | 3,617,000 | 7,246,000 | 11,234,000 | 13,015,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,617,000 | 7,246,000 | 11,234,000 | 13,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,406,000 | 51,383,000 | 53,720,000 | 52,149,000 |
| Total capital | 54,353,000 | 57,085,000 | 59,651,000 | 57,905,000 |
| Risk-weighted assets | 394,846,000 | 490,113,000 | 501,684,000 | 504,537,000 |