Call reports 2009
ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2009
What ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 195,288,000 | 233,276,000 | 259,635,000 | 238,967,000 |
| Total loans | 160,672,000 | 179,360,000 | 163,305,000 | 170,872,000 |
| Allowance for loan losses | 1,716,000 | 3,695,000 | 1,823,000 | 1,647,000 |
| Securities available for sale | 4,818,000 | 4,718,000 | 5,284,000 | 5,248,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,384,000 | 201,721,000 | 224,103,000 | 203,274,000 |
| Interest-bearing deposits | 153,680,000 | 194,949,000 | 216,492,000 | 194,901,000 |
| Noninterest-bearing deposits | 11,704,000 | 6,772,000 | 7,611,000 | 8,373,000 |
| Equity capital | 19,945,000 | 19,248,000 | 23,335,000 | 23,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,285,000 | 4,785,000 | 7,812,000 | 10,323,000 |
| Interest expense | 1,152,000 | 2,359,000 | 3,665,000 | 4,834,000 |
| Net interest income | 1,133,000 | 2,426,000 | 4,147,000 | 5,489,000 |
| Noninterest income | 14,000 | 25,000 | 154,000 | 109,000 |
| Noninterest expense | 1,070,000 | 2,324,000 | 5,154,000 | 6,737,000 |
| Provision for loan losses | 15,000 | 2,409,000 | 4,216,000 | 4,807,000 |
| Pretax income | 62,000 | -2,282,000 | -5,069,000 | -5,946,000 |
| Income tax | 24,000 | -874,000 | -1,945,000 | -2,280,000 |
| Net income | 38,000 | -1,408,000 | -3,124,000 | -3,666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,815,000 | 14,144,000 | 18,245,000 | 18,232,000 |
| Total capital | 19,534,000 | 21,601,000 | 25,071,000 | 24,881,000 |
| Risk-weighted assets | 176,173,000 | 195,090,000 | 184,487,000 | 193,350,000 |
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