Call reports 2019
ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2019
What ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,221,998,000 | 1,247,927,000 | 1,273,072,000 | 1,525,663,000 |
| Total loans | 917,753,000 | 945,540,000 | 948,055,000 | 1,190,373,000 |
| Allowance for loan losses | 4,513,000 | 5,138,000 | 4,123,000 | 4,308,000 |
| Securities available for sale | 137,183,000 | 140,201,000 | 117,348,000 | 129,568,000 |
| Securities held to maturity | 33,498,000 | 36,511,000 | 21,496,000 | 21,451,000 |
| Trading assets | 1,813,000 | 2,505,000 | 3,094,000 | 2,397,000 |
| Total deposits | 1,030,877,000 | 1,055,645,000 | 1,071,058,000 | 1,273,109,000 |
| Interest-bearing deposits | 834,127,000 | 838,246,000 | 846,606,000 | 996,573,000 |
| Noninterest-bearing deposits | 196,750,000 | 217,399,000 | 224,452,000 | 276,536,000 |
| Equity capital | 136,692,000 | 137,566,000 | 144,787,000 | 196,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 11,955,000 | 24,306,000 | 36,851,000 | 52,127,000 |
| Interest expense | 2,676,000 | 5,781,000 | 9,084,000 | 12,582,000 |
| Net interest income | 9,279,000 | 18,525,000 | 27,767,000 | 39,545,000 |
| Noninterest income | 679,000 | 1,551,000 | 2,606,000 | 3,682,000 |
| Noninterest expense | 5,672,000 | 11,451,000 | 16,834,000 | 25,881,000 |
| Provision for loan losses | 622,000 | 3,881,000 | 4,023,000 | 6,120,000 |
| Pretax income | 3,676,000 | 4,799,000 | 9,576,000 | 11,288,000 |
| Income tax | 906,000 | 1,232,000 | 2,496,000 | 2,959,000 |
| Net income | 2,770,000 | 3,567,000 | 7,080,000 | 8,329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,281,000 | 113,226,000 | 119,803,000 | 151,665,000 |
| Total capital | 116,831,000 | 118,404,000 | 123,969,000 | 156,023,000 |
| Risk-weighted assets | 1,040,418,000 | 1,071,220,000 | 1,091,116,000 | 1,331,193,000 |