Call reports 2012
SAINT LOUIS BANK — 2012
What SAINT LOUIS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 394,192,000 | 403,239,000 | 386,541,000 | 402,736,000 |
| Total loans | 255,566,000 | 251,230,000 | 246,737,000 | 245,199,000 |
| Allowance for loan losses | 8,906,000 | 8,440,000 | 8,935,000 | 7,839,000 |
| Securities available for sale | 62,733,000 | 59,496,000 | 59,547,000 | 58,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,120,000 | 350,882,000 | 339,075,000 | 356,461,000 |
| Interest-bearing deposits | 317,993,000 | 317,453,000 | 303,015,000 | 318,096,000 |
| Noninterest-bearing deposits | 32,127,000 | 33,429,000 | 36,060,000 | 38,365,000 |
| Equity capital | 35,117,000 | 35,316,000 | 35,543,000 | 33,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,656,000 | 7,140,000 | 10,549,000 | 13,833,000 |
| Interest expense | 831,000 | 1,591,000 | 2,323,000 | 3,025,000 |
| Net interest income | 2,825,000 | 5,549,000 | 8,226,000 | 10,808,000 |
| Noninterest income | -189,000 | -330,000 | -227,000 | -2,206,000 |
| Noninterest expense | 1,912,000 | 3,857,000 | 5,846,000 | 8,057,000 |
| Provision for loan losses | 300,000 | 600,000 | 1,140,000 | 2,373,000 |
| Pretax income | 797,000 | 1,187,000 | 1,438,000 | -1,239,000 |
| Income tax | 302,000 | 445,000 | 533,000 | -456,000 |
| Net income | 495,000 | 742,000 | 905,000 | -783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,224,000 | 30,834,000 | 30,993,000 | 27,938,000 |
| Total capital | 33,781,000 | 34,323,000 | 34,372,000 | 31,239,000 |
| Risk-weighted assets | 279,208,000 | 274,202,000 | 264,761,000 | 259,538,000 |