Call reports 2016
ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2016
What ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 811,797,000 | 847,450,000 | 863,559,000 | 1,025,950,000 |
| Total loans | 650,243,000 | 665,152,000 | 696,952,000 | 827,223,000 |
| Allowance for loan losses | 3,356,000 | 3,474,000 | 3,307,000 | 3,467,000 |
| Securities available for sale | 16,605,000 | 17,118,000 | 62,802,000 | 78,909,000 |
| Securities held to maturity | 13,349,000 | 11,364,000 | 6,624,000 | 6,605,000 |
| Trading assets | 2,779,000 | 3,247,000 | 3,411,000 | 1,699,000 |
| Total deposits | 691,024,000 | 725,539,000 | 739,901,000 | 891,138,000 |
| Interest-bearing deposits | 530,394,000 | 559,159,000 | 572,692,000 | 677,116,000 |
| Noninterest-bearing deposits | 160,630,000 | 166,380,000 | 167,209,000 | 214,022,000 |
| Equity capital | 88,211,000 | 90,910,000 | 93,126,000 | 128,550,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,952,000 | 13,906,000 | 21,264,000 | 30,667,000 |
| Interest expense | 797,000 | 1,607,000 | 2,533,000 | 3,509,000 |
| Net interest income | 6,155,000 | 12,299,000 | 18,731,000 | 27,158,000 |
| Noninterest income | 557,000 | 1,198,000 | 1,844,000 | 2,588,000 |
| Noninterest expense | 3,791,000 | 7,815,000 | 11,980,000 | 17,345,000 |
| Provision for loan losses | -251,000 | -84,000 | -180,000 | -48,000 |
| Pretax income | 3,206,000 | 5,888,000 | 8,888,000 | 12,498,000 |
| Income tax | 1,227,000 | 2,238,000 | 3,419,000 | 4,736,000 |
| Net income | 1,979,000 | 3,650,000 | 5,469,000 | 7,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,334,000 | 80,076,000 | 81,954,000 | 104,843,000 |
| Total capital | 80,718,000 | 84,587,000 | 86,297,000 | 109,345,000 |
| Risk-weighted assets | 725,098,000 | 747,624,000 | 770,973,000 | 911,878,000 |