Call reports 2010
SAINT LOUIS BANK — 2010
What SAINT LOUIS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 580,929,000 | 541,922,000 | 501,261,000 | 506,646,000 |
| Total loans | 401,759,000 | 386,648,000 | 368,007,000 | 343,616,000 |
| Allowance for loan losses | 12,502,000 | 13,291,000 | 13,373,000 | 13,174,000 |
| Securities available for sale | 122,144,000 | 74,715,000 | 75,188,000 | 89,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 456,939,000 | 446,758,000 | 437,894,000 | 440,605,000 |
| Interest-bearing deposits | 427,780,000 | 415,908,000 | 408,640,000 | 411,577,000 |
| Noninterest-bearing deposits | 29,158,000 | 30,850,000 | 29,254,000 | 29,028,000 |
| Equity capital | 38,810,000 | 36,820,000 | 35,340,000 | 35,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,150,000 | 11,776,000 | 17,024,000 | 21,866,000 |
| Interest expense | 2,219,000 | 4,377,000 | 6,377,000 | 8,260,000 |
| Net interest income | 3,931,000 | 7,399,000 | 10,647,000 | 13,606,000 |
| Noninterest income | -10,000 | -602,000 | -489,000 | -1,041,000 |
| Noninterest expense | 2,590,000 | 5,056,000 | 7,346,000 | 9,753,000 |
| Provision for loan losses | 550,000 | 5,910,000 | 9,940,000 | 10,220,000 |
| Pretax income | 1,731,000 | -2,791,000 | -5,698,000 | -5,527,000 |
| Income tax | 655,000 | -1,018,000 | -2,117,000 | -2,056,000 |
| Net income | 1,076,000 | -1,773,000 | -3,581,000 | -3,471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,882,000 | 35,554,000 | 32,879,000 | 33,198,000 |
| Total capital | 44,046,000 | 40,509,000 | 37,637,000 | 37,634,000 |
| Risk-weighted assets | 405,806,000 | 388,072,000 | 372,035,000 | 346,154,000 |