Call reports 2012
ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2012
What ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 615,846,000 | 625,954,000 | 640,497,000 | 653,896,000 |
| Total loans | 484,698,000 | 498,270,000 | 514,960,000 | 537,262,000 |
| Allowance for loan losses | 2,982,000 | 2,831,000 | 2,869,000 | 3,316,000 |
| Securities available for sale | 51,359,000 | 32,019,000 | 26,740,000 | 31,222,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,657,000 | 2,222,000 | 2,400,000 | 2,303,000 |
| Total deposits | 532,285,000 | 542,731,000 | 558,809,000 | 570,907,000 |
| Interest-bearing deposits | 434,194,000 | 449,303,000 | 472,538,000 | 484,667,000 |
| Noninterest-bearing deposits | 98,091,000 | 93,428,000 | 86,271,000 | 86,240,000 |
| Equity capital | 64,897,000 | 67,165,000 | 70,468,000 | 71,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,144,000 | 14,027,000 | 21,070,000 | 28,086,000 |
| Interest expense | 684,000 | 1,373,000 | 2,122,000 | 2,879,000 |
| Net interest income | 6,460,000 | 12,654,000 | 18,948,000 | 25,207,000 |
| Noninterest income | 742,000 | 1,322,000 | 1,538,000 | 1,789,000 |
| Noninterest expense | 3,588,000 | 7,060,000 | 10,664,000 | 14,570,000 |
| Provision for loan losses | 134,000 | 287,000 | 979,000 | 1,588,000 |
| Pretax income | 3,470,000 | 6,651,000 | 8,874,000 | 10,873,000 |
| Income tax | 1,369,000 | 2,605,000 | 3,505,000 | 4,315,000 |
| Net income | 2,101,000 | 4,046,000 | 5,369,000 | 6,558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,064,000 | 56,087,000 | 59,480,000 | 60,753,000 |
| Total capital | 64,052,000 | 65,925,000 | 64,359,000 | 66,079,000 |
| Risk-weighted assets | 544,800,000 | 553,495,000 | 569,202,000 | 583,406,000 |
Machine access — free, no API key
Every figure shown here about ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2012 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 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.