Call reports 2011
ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2011
What ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 345,114,000 | 352,758,000 | 631,662,000 | 614,296,000 |
| Total loans | 239,304,000 | 266,278,000 | 429,077,000 | 477,750,000 |
| Allowance for loan losses | 2,531,000 | 2,516,000 | 2,567,000 | 2,856,000 |
| Securities available for sale | 41,982,000 | 21,540,000 | 43,413,000 | 32,515,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,081,000 | 305,561,000 | 545,291,000 | 533,368,000 |
| Interest-bearing deposits | 235,136,000 | 241,851,000 | 443,082,000 | 431,889,000 |
| Noninterest-bearing deposits | 61,945,000 | 63,710,000 | 102,209,000 | 101,479,000 |
| Equity capital | 40,020,000 | 40,131,000 | 62,496,000 | 63,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,383,000 | 6,851,000 | 10,557,000 | 16,771,000 |
| Interest expense | 607,000 | 1,214,000 | 1,819,000 | 2,550,000 |
| Net interest income | 2,776,000 | 5,637,000 | 8,738,000 | 14,221,000 |
| Noninterest income | 189,000 | -281,000 | 119,000 | 731,000 |
| Noninterest expense | 1,816,000 | 3,550,000 | 5,650,000 | 10,210,000 |
| Provision for loan losses | 328,000 | 1,027,000 | 1,373,000 | 1,835,000 |
| Pretax income | 821,000 | 817,000 | 1,875,000 | 3,040,000 |
| Income tax | 306,000 | 310,000 | 731,000 | 1,313,000 |
| Net income | 515,000 | 507,000 | 1,144,000 | 1,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,813,000 | 34,828,000 | 52,308,000 | 51,874,000 |
| Total capital | 37,348,000 | 37,348,000 | 61,878,000 | 61,738,000 |
| Risk-weighted assets | 272,281,000 | 313,192,000 | 488,500,000 | 538,678,000 |
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