Call reports 2022
ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2022
What ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,926,033,000 | 1,905,911,000 | 2,071,627,000 | 2,130,380,000 |
| Total loans | 1,463,457,000 | 1,539,018,000 | 1,605,959,000 | 1,651,741,000 |
| Allowance for loan losses | 13,292,000 | 12,219,000 | 11,420,000 | 12,131,000 |
| Securities available for sale | 122,076,000 | 115,633,000 | 106,868,000 | 103,678,000 |
| Securities held to maturity | 84,606,000 | 83,868,000 | 83,313,000 | 108,025,000 |
| Trading assets | 3,251,000 | 4,643,000 | 7,853,000 | 7,639,000 |
| Total deposits | 1,645,277,000 | 1,625,001,000 | 1,686,151,000 | 1,756,036,000 |
| Interest-bearing deposits | 1,155,516,000 | 1,096,578,000 | 1,176,945,000 | 1,273,654,000 |
| Noninterest-bearing deposits | 489,761,000 | 528,423,000 | 509,206,000 | 482,382,000 |
| Equity capital | 214,587,000 | 218,692,000 | 217,867,000 | 226,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 12,286,000 | 25,719,000 | 42,087,000 | 64,043,000 |
| Interest expense | 1,023,000 | 2,076,000 | 3,853,000 | 7,996,000 |
| Net interest income | 11,263,000 | 23,643,000 | 38,234,000 | 56,047,000 |
| Noninterest income | 1,722,000 | 3,322,000 | 4,942,000 | 6,757,000 |
| Noninterest expense | 7,318,000 | 14,558,000 | 22,341,000 | 30,650,000 |
| Provision for loan losses | 17,000 | -879,000 | -1,556,000 | -798,000 |
| Pretax income | 5,379,000 | 12,964,000 | 22,048,000 | 32,443,000 |
| Income tax | 1,444,000 | 3,471,000 | 5,912,000 | 8,674,000 |
| Net income | 3,935,000 | 9,493,000 | 16,136,000 | 23,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 177,592,000 | 186,285,000 | 193,116,000 | 200,910,000 |
| Total capital | 188,463,000 | 196,281,000 | 202,404,000 | 211,132,000 |
| Risk-weighted assets | 1,678,158,000 | 1,746,448,000 | 1,813,101,000 | 1,866,234,000 |