Call reports 2025
ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2025
What ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,974,063,000 | 3,314,514,000 | 3,302,387,000 | 3,454,109,000 |
| Total loans | 2,362,242,000 | 2,463,081,000 | 2,482,435,000 | 2,626,466,000 |
| Allowance for loan losses | 18,958,000 | 16,601,000 | 15,756,000 | 16,843,000 |
| Securities available for sale | 266,926,000 | 289,471,000 | 346,343,000 | 490,960,000 |
| Securities held to maturity | 101,489,000 | 100,375,000 | 99,238,000 | 97,875,000 |
| Trading assets | 3,452,000 | 3,031,000 | 2,865,000 | 2,591,000 |
| Total deposits | 2,535,806,000 | 2,859,268,000 | 2,836,818,000 | 2,923,184,000 |
| Interest-bearing deposits | 2,130,958,000 | 2,449,754,000 | 2,434,626,000 | 2,452,513,000 |
| Noninterest-bearing deposits | 404,848,000 | 409,514,000 | 402,192,000 | 470,671,000 |
| Equity capital | 307,134,000 | 319,398,000 | 335,400,000 | 347,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 40,282,000 | 83,197,000 | 128,276,000 | 173,689,000 |
| Interest expense | 17,630,000 | 37,053,000 | 57,868,000 | 77,918,000 |
| Net interest income | 22,652,000 | 46,144,000 | 70,408,000 | 95,771,000 |
| Noninterest income | 2,229,000 | 4,875,000 | 7,745,000 | 10,726,000 |
| Noninterest expense | 10,587,000 | 21,325,000 | 32,200,000 | 43,003,000 |
| Provision for loan losses | 1,501,000 | 868,000 | 442,000 | 1,936,000 |
| Pretax income | 13,109,000 | 29,211,000 | 46,001,000 | 61,261,000 |
| Income tax | 3,426,000 | 7,667,000 | 12,188,000 | 16,331,000 |
| Net income | 9,683,000 | 21,544,000 | 33,813,000 | 44,930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 279,289,000 | 291,324,000 | 303,780,000 | 315,028,000 |
| Total capital | 300,519,000 | 310,149,000 | 321,812,000 | 334,965,000 |
| Risk-weighted assets | 2,653,062,000 | 2,734,108,000 | 2,747,393,000 | 2,927,580,000 |