Call reports 2014
ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2014
What ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 689,964,000 | 711,215,000 | 705,853,000 | 718,534,000 |
| Total loans | 558,462,000 | 575,956,000 | 570,937,000 | 582,325,000 |
| Allowance for loan losses | 4,833,000 | 3,951,000 | 3,863,000 | 3,514,000 |
| Securities available for sale | 32,998,000 | 35,283,000 | 35,302,000 | 36,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,534,000 | 1,586,000 | 1,235,000 | 1,264,000 |
| Total deposits | 602,844,000 | 623,046,000 | 619,369,000 | 632,237,000 |
| Interest-bearing deposits | 513,174,000 | 523,207,000 | 507,866,000 | 500,814,000 |
| Noninterest-bearing deposits | 89,670,000 | 99,839,000 | 111,503,000 | 131,423,000 |
| Equity capital | 76,663,000 | 77,441,000 | 78,398,000 | 78,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,863,000 | 13,622,000 | 20,574,000 | 27,286,000 |
| Interest expense | 636,000 | 1,214,000 | 1,805,000 | 2,388,000 |
| Net interest income | 6,227,000 | 12,408,000 | 18,769,000 | 24,898,000 |
| Noninterest income | 482,000 | 1,252,000 | 1,735,000 | 1,917,000 |
| Noninterest expense | 4,061,000 | 8,014,000 | 11,651,000 | 15,137,000 |
| Provision for loan losses | 704,000 | 420,000 | 525,000 | 458,000 |
| Pretax income | 1,947,000 | 5,231,000 | 8,340,000 | 11,236,000 |
| Income tax | 760,000 | 2,048,000 | 3,267,000 | 4,394,000 |
| Net income | 1,187,000 | 3,183,000 | 5,073,000 | 6,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,171,000 | 66,759,000 | 67,734,000 | 67,588,000 |
| Total capital | 73,019,000 | 70,730,000 | 71,615,000 | 71,123,000 |
| Risk-weighted assets | 615,081,000 | 622,970,000 | 621,177,000 | 639,123,000 |
Machine access — free, no API key
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