Call reports 2021
ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2021
What ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,873,450,000 | 1,855,598,000 | 1,909,559,000 | 1,937,584,000 |
| Total loans | 1,436,852,000 | 1,416,538,000 | 1,441,994,000 | 1,433,097,000 |
| Allowance for loan losses | 15,065,000 | 12,564,000 | 11,828,000 | 13,317,000 |
| Securities available for sale | 115,864,000 | 100,125,000 | 94,657,000 | 84,594,000 |
| Securities held to maturity | 53,346,000 | 53,059,000 | 52,533,000 | 56,544,000 |
| Trading assets | 3,834,000 | 4,108,000 | 3,533,000 | 2,716,000 |
| Total deposits | 1,608,769,000 | 1,587,030,000 | 1,634,333,000 | 1,654,524,000 |
| Interest-bearing deposits | 1,138,568,000 | 1,131,631,000 | 1,169,256,000 | 1,167,186,000 |
| Noninterest-bearing deposits | 470,201,000 | 455,399,000 | 465,077,000 | 487,338,000 |
| Equity capital | 201,366,000 | 206,709,000 | 212,465,000 | 215,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 12,785,000 | 25,957,000 | 38,784,000 | 51,340,000 |
| Interest expense | 1,631,000 | 3,173,000 | 4,453,000 | 5,570,000 |
| Net interest income | 11,154,000 | 22,784,000 | 34,331,000 | 45,770,000 |
| Noninterest income | 1,355,000 | 2,388,000 | 5,268,000 | 7,277,000 |
| Noninterest expense | 6,969,000 | 14,886,000 | 21,987,000 | 29,479,000 |
| Provision for loan losses | -4,308,000 | -6,810,000 | -7,485,000 | -5,727,000 |
| Pretax income | 10,460,000 | 17,827,000 | 25,635,000 | 29,380,000 |
| Income tax | 2,764,000 | 4,718,000 | 6,794,000 | 8,102,000 |
| Net income | 7,696,000 | 13,109,000 | 18,841,000 | 21,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 160,307,000 | 165,552,000 | 171,356,000 | 174,516,000 |
| Total capital | 168,880,000 | 173,256,000 | 178,908,000 | 183,726,000 |
| Risk-weighted assets | 1,461,547,000 | 1,494,287,000 | 1,569,111,000 | 1,615,626,000 |