Call reports 2005
SAINT LOUIS BANK — 2005
What SAINT LOUIS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Total assets | 32,674,000 | 104,796,000 | 149,912,000 |
| Total loans | 10,182,000 | 76,529,000 | 112,234,000 |
| Allowance for loan losses | 113,000 | 941,000 | 1,399,000 |
| Securities available for sale | 4,977,000 | 11,897,000 | 20,849,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 12,262,000 | 84,084,000 | 114,611,000 |
| Interest-bearing deposits | 10,391,000 | 61,495,000 | 98,259,000 |
| Noninterest-bearing deposits | 1,871,000 | 22,589,000 | 16,352,000 |
| Equity capital | 19,941,000 | 19,327,000 | 31,623,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Interest income | 69,000 | 935,000 | 2,883,000 |
| Interest expense | 14,000 | 325,000 | 1,087,000 |
| Net interest income | 55,000 | 610,000 | 1,796,000 |
| Noninterest income | 6,000 | 208,000 | 421,000 |
| Noninterest expense | 539,000 | 1,482,000 | 2,631,000 |
| Provision for loan losses | 113,000 | 941,000 | 1,399,000 |
| Pretax income | -591,000 | -1,605,000 | -1,813,000 |
| Income tax | -237,000 | -647,000 | -719,000 |
| Net income | -354,000 | -958,000 | -1,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Tier 1 capital | 19,706,000 | 18,688,000 | 30,988,000 |
| Total capital | 19,819,000 | 19,629,000 | 32,387,000 |
| Risk-weighted assets | 16,387,000 | 83,257,000 | 118,965,000 |