Call reports 2007
ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2007
What ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 59,564,000 | 72,001,000 | 106,243,000 | 102,090,000 |
| Total loans | 51,567,000 | 62,121,000 | 95,836,000 | 91,985,000 |
| Allowance for loan losses | 364,000 | 538,000 | 1,143,000 | 1,079,000 |
| Securities available for sale | 0 | 0 | 493,000 | 499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,125,000 | 52,288,000 | 74,367,000 | 79,569,000 |
| Interest-bearing deposits | 41,135,000 | 50,362,000 | 72,898,000 | 76,525,000 |
| Noninterest-bearing deposits | 1,990,000 | 1,926,000 | 1,469,000 | 3,044,000 |
| Equity capital | 14,894,000 | 14,684,000 | 16,019,000 | 15,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 974,000 | 2,174,000 | 3,708,000 | 5,472,000 |
| Interest expense | 492,000 | 1,157,000 | 2,041,000 | 3,137,000 |
| Net interest income | 482,000 | 1,017,000 | 1,667,000 | 2,335,000 |
| Noninterest income | 5,000 | 11,000 | 15,000 | 24,000 |
| Noninterest expense | 738,000 | 1,474,000 | 2,386,000 | 3,321,000 |
| Provision for loan losses | 98,000 | 276,000 | 1,132,000 | 1,324,000 |
| Pretax income | -349,000 | -722,000 | -1,836,000 | -2,286,000 |
| Income tax | -132,000 | -275,000 | -700,000 | -864,000 |
| Net income | -217,000 | -447,000 | -1,136,000 | -1,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,628,000 | 9,428,000 | 10,823,000 | 10,574,000 |
| Total capital | 9,992,000 | 9,966,000 | 11,966,000 | 11,656,000 |
| Risk-weighted assets | 58,127,000 | 65,828,000 | 102,787,000 | 98,662,000 |
Machine access — free, no API key
Every figure shown here about ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2007 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.