Call reports 2017
ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2017
What ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,037,289,000 | 1,045,240,000 | 1,065,256,000 | 1,067,951,000 |
| Total loans | 829,782,000 | 820,394,000 | 825,169,000 | 844,446,000 |
| Allowance for loan losses | 3,467,000 | 3,404,000 | 3,583,000 | 3,490,000 |
| Securities available for sale | 76,264,000 | 73,670,000 | 97,306,000 | 102,010,000 |
| Securities held to maturity | 16,585,000 | 17,578,000 | 17,560,000 | 17,546,000 |
| Trading assets | 1,547,000 | 1,387,000 | 1,345,000 | 1,441,000 |
| Total deposits | 906,917,000 | 913,186,000 | 931,056,000 | 913,453,000 |
| Interest-bearing deposits | 701,014,000 | 710,240,000 | 730,190,000 | 695,183,000 |
| Noninterest-bearing deposits | 205,903,000 | 202,946,000 | 200,866,000 | 218,270,000 |
| Equity capital | 124,697,000 | 125,769,000 | 128,124,000 | 127,182,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 8,890,000 | 18,404,000 | 28,047,000 | 37,583,000 |
| Interest expense | 942,000 | 2,026,000 | 3,216,000 | 4,441,000 |
| Net interest income | 7,948,000 | 16,378,000 | 24,831,000 | 33,142,000 |
| Noninterest income | 499,000 | 1,397,000 | 2,092,000 | 2,898,000 |
| Noninterest expense | 5,315,000 | 10,590,000 | 15,694,000 | 20,763,000 |
| Provision for loan losses | 57,000 | 40,000 | 172,000 | 250,000 |
| Pretax income | 3,073,000 | 7,146,000 | 11,061,000 | 15,029,000 |
| Income tax | 1,046,000 | 2,572,000 | 4,069,000 | 4,989,000 |
| Net income | 2,027,000 | 4,574,000 | 6,992,000 | 10,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,153,000 | 101,555,000 | 103,288,000 | 102,251,000 |
| Total capital | 104,660,000 | 104,998,000 | 106,908,000 | 105,778,000 |
| Risk-weighted assets | 914,962,000 | 910,344,000 | 908,261,000 | 925,822,000 |