Call reports 2015
ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2015
What ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 740,714,000 | 755,734,000 | 792,390,000 | 825,557,000 |
| Total loans | 603,971,000 | 616,499,000 | 617,044,000 | 662,826,000 |
| Allowance for loan losses | 3,532,000 | 3,484,000 | 3,505,000 | 3,645,000 |
| Securities available for sale | 39,558,000 | 53,393,000 | 54,789,000 | 62,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 22,652,000 |
| Trading assets | 1,717,000 | 1,269,000 | 1,911,000 | 1,481,000 |
| Total deposits | 651,673,000 | 666,708,000 | 675,578,000 | 703,167,000 |
| Interest-bearing deposits | 526,360,000 | 527,581,000 | 517,899,000 | 537,870,000 |
| Noninterest-bearing deposits | 125,313,000 | 139,127,000 | 157,679,000 | 165,297,000 |
| Equity capital | 80,807,000 | 81,791,000 | 84,138,000 | 85,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,663,000 | 13,418,000 | 20,328,000 | 27,190,000 |
| Interest expense | 568,000 | 1,208,000 | 1,949,000 | 2,739,000 |
| Net interest income | 6,095,000 | 12,210,000 | 18,379,000 | 24,451,000 |
| Noninterest income | 863,000 | 1,669,000 | 2,385,000 | 3,468,000 |
| Noninterest expense | 3,790,000 | 7,733,000 | 11,666,000 | 15,847,000 |
| Provision for loan losses | 49,000 | 65,000 | 154,000 | 370,000 |
| Pretax income | 3,129,000 | 6,090,000 | 8,960,000 | 11,718,000 |
| Income tax | 1,202,000 | 2,351,000 | 3,454,000 | 4,523,000 |
| Net income | 1,927,000 | 3,739,000 | 5,506,000 | 7,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,879,000 | 71,766,000 | 73,603,000 | 75,348,000 |
| Total capital | 73,433,000 | 75,270,000 | 77,134,000 | 79,024,000 |
| Risk-weighted assets | 679,702,000 | 698,532,000 | 706,388,000 | 728,121,000 |