Call reports 2024
ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2024
What ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 2,628,451,000 | 2,777,091,000 | 2,925,769,000 | 2,849,857,000 |
| Total loans | 1,937,051,000 | 2,119,522,000 | 2,196,844,000 | 2,289,466,000 |
| Allowance for loan losses | 14,832,000 | 16,585,000 | 18,759,000 | 19,804,000 |
| Securities available for sale | 227,531,000 | 228,222,000 | 186,035,000 | 258,667,000 |
| Securities held to maturity | 105,519,000 | 104,494,000 | 103,487,000 | 102,352,000 |
| Trading assets | 5,481,000 | 5,297,000 | 3,857,000 | 4,324,000 |
| Total deposits | 2,205,840,000 | 2,371,892,000 | 2,506,449,000 | 2,427,394,000 |
| Interest-bearing deposits | 1,801,463,000 | 1,973,340,000 | 2,081,541,000 | 2,010,438,000 |
| Noninterest-bearing deposits | 404,377,000 | 398,552,000 | 424,908,000 | 416,956,000 |
| Equity capital | 268,289,000 | 276,243,000 | 292,021,000 | 293,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 36,384,000 | 75,567,000 | 117,139,000 | 158,640,000 |
| Interest expense | 16,173,000 | 34,043,000 | 53,785,000 | 72,942,000 |
| Net interest income | 20,211,000 | 41,524,000 | 63,354,000 | 85,698,000 |
| Noninterest income | 2,319,000 | 4,651,000 | 6,866,000 | 9,496,000 |
| Noninterest expense | 9,682,000 | 19,453,000 | 29,408,000 | 40,439,000 |
| Provision for loan losses | -1,135,000 | 907,000 | 3,610,000 | 5,137,000 |
| Pretax income | 14,240,000 | 26,366,000 | 37,539,000 | 50,769,000 |
| Income tax | 3,735,000 | 7,025,000 | 10,013,000 | 13,598,000 |
| Net income | 10,505,000 | 19,341,000 | 27,526,000 | 37,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 243,276,000 | 252,272,000 | 260,610,000 | 270,446,000 |
| Total capital | 260,102,000 | 270,554,000 | 281,341,000 | 291,380,000 |
| Risk-weighted assets | 2,209,411,000 | 2,392,674,000 | 2,487,186,000 | 2,596,154,000 |