Call reports 2013
SAINT LOUIS BANK — 2013
What SAINT LOUIS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 400,762,000 | 395,836,000 | 380,768,000 | 400,100,000 |
| Total loans | 247,148,000 | 249,467,000 | 248,145,000 | 247,169,000 |
| Allowance for loan losses | 7,894,000 | 7,805,000 | 7,410,000 | 6,513,000 |
| Securities available for sale | 65,322,000 | 65,030,000 | 60,434,000 | 57,416,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,681,000 | 353,830,000 | 337,717,000 | 353,238,000 |
| Interest-bearing deposits | 319,229,000 | 311,438,000 | 297,186,000 | 304,744,000 |
| Noninterest-bearing deposits | 37,452,000 | 42,392,000 | 40,531,000 | 48,494,000 |
| Equity capital | 33,662,000 | 33,129,000 | 33,105,000 | 33,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,174,000 | 6,418,000 | 9,671,000 | 12,914,000 |
| Interest expense | 611,000 | 1,165,000 | 1,716,000 | 2,239,000 |
| Net interest income | 2,563,000 | 5,253,000 | 7,955,000 | 10,675,000 |
| Noninterest income | -159,000 | -316,000 | -437,000 | -810,000 |
| Noninterest expense | 2,062,000 | 4,134,000 | 6,432,000 | 8,383,000 |
| Provision for loan losses | 100,000 | 200,000 | 200,000 | 450,000 |
| Pretax income | 242,000 | 603,000 | 886,000 | 1,032,000 |
| Income tax | 94,000 | 234,000 | 343,000 | 403,000 |
| Net income | 148,000 | 369,000 | 543,000 | 629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,365,000 | 28,955,000 | 29,413,000 | 29,291,000 |
| Total capital | 31,640,000 | 32,260,000 | 32,672,000 | 32,518,000 |
| Risk-weighted assets | 257,344,000 | 259,869,000 | 256,568,000 | 254,907,000 |