Call reports 2011
SAINT LOUIS BANK — 2011
What SAINT LOUIS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 483,370,000 | 453,073,000 | 418,852,000 | 410,076,000 |
| Total loans | 324,976,000 | 295,449,000 | 272,763,000 | 264,060,000 |
| Allowance for loan losses | 12,220,000 | 10,790,000 | 10,110,000 | 9,278,000 |
| Securities available for sale | 78,978,000 | 77,675,000 | 61,409,000 | 67,472,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 413,662,000 | 399,957,000 | 374,410,000 | 366,917,000 |
| Interest-bearing deposits | 384,655,000 | 374,339,000 | 338,022,000 | 327,853,000 |
| Noninterest-bearing deposits | 29,007,000 | 25,618,000 | 36,388,000 | 39,064,000 |
| Equity capital | 35,250,000 | 36,524,000 | 34,748,000 | 34,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,631,000 | 8,847,000 | 13,430,000 | 17,201,000 |
| Interest expense | 1,653,000 | 3,121,000 | 4,419,000 | 5,414,000 |
| Net interest income | 2,978,000 | 5,726,000 | 9,011,000 | 11,787,000 |
| Noninterest income | 55,000 | 57,000 | -224,000 | -532,000 |
| Noninterest expense | 2,293,000 | 4,478,000 | 7,237,000 | 9,193,000 |
| Provision for loan losses | 1,215,000 | 1,865,000 | 6,492,000 | 6,692,000 |
| Pretax income | -156,000 | 102,000 | -3,792,000 | -3,480,000 |
| Income tax | -57,000 | 42,000 | -1,489,000 | -1,293,000 |
| Net income | -99,000 | 60,000 | -2,303,000 | -2,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,289,000 | 33,297,000 | 29,154,000 | 29,344,000 |
| Total capital | 37,465,000 | 37,117,000 | 32,913,000 | 32,958,000 |
| Risk-weighted assets | 326,041,000 | 298,618,000 | 297,308,000 | 283,494,000 |