Call reports 2020
ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2020
What ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,586,186,000 | 1,755,838,000 | 1,784,996,000 | 1,799,200,000 |
| Total loans | 1,202,328,000 | 1,364,967,000 | 1,420,515,000 | 1,343,587,000 |
| Allowance for loan losses | 11,583,000 | 14,846,000 | 19,175,000 | 19,723,000 |
| Securities available for sale | 107,001,000 | 93,470,000 | 84,494,000 | 126,681,000 |
| Securities held to maturity | 18,501,000 | 18,484,000 | 8,462,000 | 8,296,000 |
| Trading assets | 6,013,000 | 6,292,000 | 6,312,000 | 5,708,000 |
| Total deposits | 1,335,222,000 | 1,499,444,000 | 1,526,161,000 | 1,538,695,000 |
| Interest-bearing deposits | 1,042,961,000 | 1,101,492,000 | 1,133,050,000 | 1,126,058,000 |
| Noninterest-bearing deposits | 292,261,000 | 397,952,000 | 393,111,000 | 412,637,000 |
| Equity capital | 187,298,000 | 188,233,000 | 189,256,000 | 193,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 14,672,000 | 28,815,000 | 42,582,000 | 55,503,000 |
| Interest expense | 3,301,000 | 6,000,000 | 8,235,000 | 10,179,000 |
| Net interest income | 11,371,000 | 22,815,000 | 34,347,000 | 45,324,000 |
| Noninterest income | 948,000 | 1,816,000 | 2,996,000 | 4,327,000 |
| Noninterest expense | 6,492,000 | 13,434,000 | 20,417,000 | 26,836,000 |
| Provision for loan losses | 2,195,000 | 6,758,000 | 11,043,000 | 11,689,000 |
| Pretax income | 3,676,000 | 4,487,000 | 5,910,000 | 11,152,000 |
| Income tax | 905,000 | 1,138,000 | 1,600,000 | 2,951,000 |
| Net income | 2,771,000 | 3,349,000 | 4,310,000 | 8,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 145,877,000 | 147,417,000 | 149,679,000 | 153,704,000 |
| Total capital | 151,493,000 | 155,602,000 | 161,515,000 | 165,876,000 |
| Risk-weighted assets | 1,330,223,000 | 1,350,668,000 | 1,405,035,000 | 1,387,742,000 |