Call reports 2009
SAINT LOUIS BANK — 2009
What SAINT LOUIS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 560,854,000 | 544,106,000 | 554,682,000 | 574,583,000 |
| Total loans | 467,930,000 | 452,385,000 | 437,045,000 | 425,391,000 |
| Allowance for loan losses | 10,783,000 | 10,253,000 | 10,350,000 | 12,468,000 |
| Securities available for sale | 63,437,000 | 68,185,000 | 78,215,000 | 92,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 459,444,000 | 429,739,000 | 444,456,000 | 432,457,000 |
| Interest-bearing deposits | 434,495,000 | 402,124,000 | 415,584,000 | 398,951,000 |
| Noninterest-bearing deposits | 24,948,000 | 27,615,000 | 28,871,000 | 33,507,000 |
| Equity capital | 50,386,000 | 50,686,000 | 50,710,000 | 38,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,594,000 | 13,131,000 | 19,583,000 | 25,588,000 |
| Interest expense | 3,316,000 | 6,231,000 | 8,705,000 | 10,915,000 |
| Net interest income | 3,278,000 | 6,900,000 | 10,878,000 | 14,673,000 |
| Noninterest income | 603,000 | 590,000 | 718,000 | 450,000 |
| Noninterest expense | 2,497,000 | 4,869,000 | 7,351,000 | 9,511,000 |
| Provision for loan losses | 473,000 | 1,398,000 | 3,898,000 | 20,320,000 |
| Pretax income | 1,070,000 | 1,485,000 | 609,000 | -14,446,000 |
| Income tax | 410,000 | 576,000 | 254,000 | -2,506,000 |
| Net income | 660,000 | 909,000 | 355,000 | -11,940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,034,000 | 50,374,000 | 49,915,000 | 37,712,000 |
| Total capital | 56,120,000 | 56,431,000 | 55,719,000 | 43,334,000 |
| Risk-weighted assets | 482,235,000 | 480,883,000 | 459,753,000 | 442,913,000 |