Call reports 2023
ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2023
What ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 2,231,213,000 | 2,433,373,000 | 2,517,503,000 | 2,483,432,000 |
| Total loans | 1,761,426,000 | 1,802,215,000 | 1,828,211,000 | 1,885,354,000 |
| Allowance for loan losses | 15,224,000 | 14,903,000 | 16,246,000 | 16,325,000 |
| Securities available for sale | 104,532,000 | 174,061,000 | 214,200,000 | 185,796,000 |
| Securities held to maturity | 109,183,000 | 108,118,000 | 107,917,000 | 106,659,000 |
| Trading assets | 6,141,000 | 6,856,000 | 7,452,000 | 5,187,000 |
| Total deposits | 1,846,619,000 | 2,042,317,000 | 2,122,916,000 | 2,069,803,000 |
| Interest-bearing deposits | 1,381,419,000 | 1,586,938,000 | 1,657,952,000 | 1,662,369,000 |
| Noninterest-bearing deposits | 465,200,000 | 455,379,000 | 464,964,000 | 407,434,000 |
| Equity capital | 233,879,000 | 240,835,000 | 242,130,000 | 261,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 25,724,000 | 55,053,000 | 88,616,000 | 124,497,000 |
| Interest expense | 6,939,000 | 17,403,000 | 30,547,000 | 45,256,000 |
| Net interest income | 18,785,000 | 37,650,000 | 58,069,000 | 79,241,000 |
| Noninterest income | 2,067,000 | 4,874,000 | 6,732,000 | 8,865,000 |
| Noninterest expense | 8,771,000 | 17,413,000 | 26,052,000 | 36,427,000 |
| Provision for loan losses | 2,166,000 | 1,990,000 | 3,548,000 | 3,769,000 |
| Pretax income | 8,681,000 | 22,535,000 | 34,497,000 | 46,461,000 |
| Income tax | 2,335,000 | 6,083,000 | 9,332,000 | 12,519,000 |
| Net income | 6,346,000 | 16,452,000 | 25,165,000 | 33,942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 205,570,000 | 215,835,000 | 224,709,000 | 233,651,000 |
| Total capital | 221,521,000 | 230,801,000 | 241,114,000 | 250,964,000 |
| Risk-weighted assets | 1,996,018,000 | 2,073,441,000 | 2,111,755,000 | 2,184,026,000 |