Call reports 2018
ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2018
What ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,109,160,000 | 1,118,458,000 | 1,184,829,000 | 1,161,579,000 |
| Total loans | 836,329,000 | 862,089,000 | 889,808,000 | 905,526,000 |
| Allowance for loan losses | 3,708,000 | 3,873,000 | 3,861,000 | 4,122,000 |
| Securities available for sale | 118,686,000 | 115,905,000 | 113,438,000 | 111,907,000 |
| Securities held to maturity | 28,529,000 | 28,514,000 | 33,492,000 | 33,521,000 |
| Trading assets | 1,928,000 | 2,276,000 | 2,418,000 | 1,790,000 |
| Total deposits | 917,159,000 | 947,604,000 | 967,536,000 | 991,144,000 |
| Interest-bearing deposits | 707,071,000 | 728,115,000 | 752,710,000 | 782,582,000 |
| Noninterest-bearing deposits | 210,088,000 | 219,489,000 | 214,826,000 | 208,562,000 |
| Equity capital | 125,589,000 | 127,892,000 | 130,507,000 | 134,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 9,778,000 | 20,448,000 | 31,451,000 | 43,172,000 |
| Interest expense | 1,404,000 | 3,311,000 | 5,470,000 | 7,982,000 |
| Net interest income | 8,374,000 | 17,137,000 | 25,981,000 | 35,190,000 |
| Noninterest income | 850,000 | 1,848,000 | 2,684,000 | 3,282,000 |
| Noninterest expense | 5,115,000 | 10,665,000 | 16,009,000 | 21,637,000 |
| Provision for loan losses | 458,000 | 754,000 | 712,000 | 991,000 |
| Pretax income | 3,621,000 | 7,529,000 | 11,895,000 | 15,764,000 |
| Income tax | 865,000 | 1,857,000 | 3,006,000 | 3,955,000 |
| Net income | 2,756,000 | 5,672,000 | 8,889,000 | 11,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,966,000 | 105,007,000 | 108,388,000 | 111,454,000 |
| Total capital | 105,703,000 | 108,910,000 | 112,279,000 | 115,607,000 |
| Risk-weighted assets | 931,177,000 | 962,485,000 | 993,315,000 | 1,013,367,000 |