Call reports 2007
SAINT LOUIS BANK — 2007
What SAINT LOUIS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 376,954,000 | 404,686,000 | 430,522,000 | 456,894,000 |
| Total loans | 326,556,000 | 346,522,000 | 377,012,000 | 397,129,000 |
| Allowance for loan losses | 4,467,000 | 4,775,000 | 5,154,000 | 5,017,000 |
| Securities available for sale | 44,084,000 | 50,270,000 | 47,341,000 | 47,109,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,851,000 | 340,156,000 | 367,019,000 | 382,913,000 |
| Interest-bearing deposits | 303,264,000 | 319,217,000 | 344,211,000 | 356,727,000 |
| Noninterest-bearing deposits | 17,587,000 | 20,939,000 | 22,808,000 | 26,186,000 |
| Equity capital | 33,638,000 | 34,106,000 | 38,149,000 | 39,077,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,867,000 | 14,397,000 | 22,510,000 | 30,680,000 |
| Interest expense | 3,876,000 | 8,209,000 | 12,882,000 | 17,685,000 |
| Net interest income | 2,991,000 | 6,188,000 | 9,628,000 | 12,995,000 |
| Noninterest income | 325,000 | 686,000 | 981,000 | 1,240,000 |
| Noninterest expense | 1,671,000 | 3,547,000 | 5,546,000 | 7,662,000 |
| Provision for loan losses | 524,000 | 1,180,000 | 1,868,000 | 2,522,000 |
| Pretax income | 1,121,000 | 2,147,000 | 3,195,000 | 4,051,000 |
| Income tax | 465,000 | 898,000 | 1,286,000 | 1,566,000 |
| Net income | 656,000 | 1,249,000 | 1,909,000 | 2,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,645,000 | 34,354,000 | 38,140,000 | 38,859,000 |
| Total capital | 37,967,000 | 38,995,000 | 43,109,000 | 43,876,000 |
| Risk-weighted assets | 345,626,000 | 371,149,000 | 397,298,000 | 419,221,000 |