Call reports 2013
ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2013
What ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 653,051,000 | 669,548,000 | 692,426,000 | 708,512,000 |
| Total loans | 517,871,000 | 547,360,000 | 576,548,000 | 575,001,000 |
| Allowance for loan losses | 3,554,000 | 3,989,000 | 4,363,000 | 4,234,000 |
| Securities available for sale | 30,326,000 | 27,924,000 | 29,856,000 | 41,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,059,000 | 1,589,000 | 1,918,000 | 1,610,000 |
| Total deposits | 570,106,000 | 588,224,000 | 608,790,000 | 613,767,000 |
| Interest-bearing deposits | 488,196,000 | 509,494,000 | 525,167,000 | 515,364,000 |
| Noninterest-bearing deposits | 81,910,000 | 78,730,000 | 83,623,000 | 98,403,000 |
| Equity capital | 72,924,000 | 71,765,000 | 73,351,000 | 75,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,768,000 | 13,500,000 | 20,323,000 | 27,344,000 |
| Interest expense | 714,000 | 1,400,000 | 2,055,000 | 2,728,000 |
| Net interest income | 6,054,000 | 12,100,000 | 18,268,000 | 24,616,000 |
| Noninterest income | 344,000 | 955,000 | 1,961,000 | 2,222,000 |
| Noninterest expense | 3,836,000 | 7,632,000 | 11,500,000 | 15,263,000 |
| Provision for loan losses | 532,000 | 1,677,000 | 2,729,000 | 2,653,000 |
| Pretax income | 2,030,000 | 3,746,000 | 6,001,000 | 8,923,000 |
| Income tax | 825,000 | 1,524,000 | 2,389,000 | 3,562,000 |
| Net income | 1,205,000 | 2,222,000 | 3,612,000 | 5,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,048,000 | 61,640,000 | 63,121,000 | 64,922,000 |
| Total capital | 65,613,000 | 65,640,000 | 69,497,000 | 71,170,000 |
| Risk-weighted assets | 556,899,000 | 588,298,000 | 625,457,000 | 626,690,000 |
Machine access — free, no API key
Every figure shown here about ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2013 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.