Call reports 2010
ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2010
What ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 246,403,000 | 312,550,000 | 340,814,000 | 333,846,000 |
| Total loans | 182,934,000 | 221,403,000 | 249,810,000 | 244,437,000 |
| Allowance for loan losses | 2,298,000 | 1,918,000 | 2,320,000 | 2,460,000 |
| Securities available for sale | 7,210,000 | 16,792,000 | 24,437,000 | 20,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,459,000 | 269,714,000 | 294,582,000 | 287,059,000 |
| Interest-bearing deposits | 192,836,000 | 220,997,000 | 235,684,000 | 229,454,000 |
| Noninterest-bearing deposits | 18,623,000 | 48,717,000 | 58,898,000 | 57,605,000 |
| Equity capital | 23,132,000 | 25,983,000 | 29,944,000 | 39,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,499,000 | 5,296,000 | 8,569,000 | 12,039,000 |
| Interest expense | 875,000 | 1,709,000 | 2,571,000 | 3,265,000 |
| Net interest income | 1,624,000 | 3,587,000 | 5,998,000 | 8,774,000 |
| Noninterest income | 41,000 | 89,000 | 126,000 | 230,000 |
| Noninterest expense | 1,524,000 | 3,508,000 | 5,307,000 | 6,990,000 |
| Provision for loan losses | 666,000 | 1,119,000 | 1,949,000 | 2,142,000 |
| Pretax income | -525,000 | -951,000 | -1,059,000 | -53,000 |
| Income tax | -198,000 | -360,000 | -397,000 | -6,000 |
| Net income | -327,000 | -591,000 | -662,000 | -47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,916,000 | 20,708,000 | 24,630,000 | 34,279,000 |
| Total capital | 25,216,000 | 31,629,000 | 35,955,000 | 36,743,000 |
| Risk-weighted assets | 206,313,000 | 252,753,000 | 280,324,000 | 274,056,000 |
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