Call reports 2008
ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2008
What ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 100,758,000 | 116,735,000 | 152,522,000 | 171,574,000 |
| Total loans | 83,956,000 | 94,819,000 | 128,096,000 | 138,358,000 |
| Allowance for loan losses | 821,000 | 962,000 | 1,502,000 | 1,716,000 |
| Securities available for sale | 2,501,000 | 3,499,000 | 4,329,000 | 4,263,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,172,000 | 94,335,000 | 124,864,000 | 145,721,000 |
| Interest-bearing deposits | 78,827,000 | 91,575,000 | 113,382,000 | 133,585,000 |
| Noninterest-bearing deposits | 3,345,000 | 2,760,000 | 11,482,000 | 12,136,000 |
| Equity capital | 15,651,000 | 15,185,000 | 15,377,000 | 15,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,539,000 | 2,964,000 | 4,600,000 | 6,506,000 |
| Interest expense | 926,000 | 1,782,000 | 2,766,000 | 3,907,000 |
| Net interest income | 613,000 | 1,182,000 | 1,834,000 | 2,599,000 |
| Noninterest income | 9,000 | 16,000 | 92,000 | 107,000 |
| Noninterest expense | 841,000 | 1,689,000 | 2,672,000 | 3,701,000 |
| Provision for loan losses | 0 | 524,000 | 2,026,000 | 2,523,000 |
| Pretax income | -219,000 | -1,015,000 | -2,772,000 | -3,518,000 |
| Income tax | -84,000 | -391,000 | -1,068,000 | -1,355,000 |
| Net income | -135,000 | -624,000 | -1,704,000 | -2,163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,466,000 | 10,006,000 | 10,199,000 | 10,758,000 |
| Total capital | 11,290,000 | 10,971,000 | 14,704,000 | 15,477,000 |
| Risk-weighted assets | 92,674,000 | 105,694,000 | 138,702,000 | 154,566,000 |
Machine access — free, no API key
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