Call reports 2008
SAINT LOUIS BANK — 2008
What SAINT LOUIS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 493,848,000 | 527,391,000 | 540,763,000 | 549,034,000 |
| Total loans | 423,985,000 | 456,410,000 | 472,184,000 | 478,342,000 |
| Allowance for loan losses | 5,588,000 | 7,543,000 | 8,340,000 | 10,723,000 |
| Securities available for sale | 51,674,000 | 56,642,000 | 54,677,000 | 58,518,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,828,000 | 422,081,000 | 431,028,000 | 436,854,000 |
| Interest-bearing deposits | 375,843,000 | 392,128,000 | 404,049,000 | 407,510,000 |
| Noninterest-bearing deposits | 27,985,000 | 29,953,000 | 26,979,000 | 29,344,000 |
| Equity capital | 41,023,000 | 44,470,000 | 46,193,000 | 49,637,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,679,000 | 14,841,000 | 22,307,000 | 29,446,000 |
| Interest expense | 4,540,000 | 8,512,000 | 12,409,000 | 16,130,000 |
| Net interest income | 3,139,000 | 6,329,000 | 9,898,000 | 13,316,000 |
| Noninterest income | 416,000 | 742,000 | 1,075,000 | 978,000 |
| Noninterest expense | 2,278,000 | 4,140,000 | 6,455,000 | 8,305,000 |
| Provision for loan losses | 643,000 | 2,960,000 | 4,200,000 | 9,807,000 |
| Pretax income | 635,000 | -24,000 | 180,000 | -3,968,000 |
| Income tax | 241,000 | -19,000 | 42,000 | -1,560,000 |
| Net income | 394,000 | -5,000 | 138,000 | -2,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,371,000 | 44,455,000 | 46,188,000 | 49,281,000 |
| Total capital | 45,937,000 | 50,415,000 | 52,307,000 | 55,388,000 |
| Risk-weighted assets | 445,225,000 | 475,249,000 | 487,281,000 | 483,942,000 |