Call reports 2014
SAINT LOUIS BANK — 2014
What SAINT LOUIS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 382,460,000 | 384,757,000 | 373,640,000 | 385,593,000 |
| Total loans | 250,271,000 | 241,627,000 | 243,879,000 | 250,087,000 |
| Allowance for loan losses | 6,415,000 | 6,014,000 | 5,270,000 | 4,983,000 |
| Securities available for sale | 54,361,000 | 57,622,000 | 58,737,000 | 56,185,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 338,651,000 | 341,949,000 | 334,973,000 | 347,429,000 |
| Interest-bearing deposits | 304,904,000 | 302,020,000 | 300,779,000 | 313,203,000 |
| Noninterest-bearing deposits | 33,747,000 | 39,929,000 | 34,194,000 | 34,226,000 |
| Equity capital | 33,536,000 | 36,933,000 | 35,617,000 | 36,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,210,000 | 6,399,000 | 9,472,000 | 12,627,000 |
| Interest expense | 509,000 | 1,020,000 | 1,533,000 | 2,067,000 |
| Net interest income | 2,701,000 | 5,379,000 | 7,939,000 | 10,560,000 |
| Noninterest income | 99,000 | 211,000 | -1,534,000 | -1,648,000 |
| Noninterest expense | 2,224,000 | 4,476,000 | 6,632,000 | 8,804,000 |
| Provision for loan losses | 0 | 0 | 700,000 | 700,000 |
| Pretax income | 576,000 | 1,114,000 | -927,000 | -533,000 |
| Income tax | 221,000 | -2,453,000 | -3,212,000 | -3,059,000 |
| Net income | 355,000 | 3,567,000 | 2,285,000 | 2,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,845,000 | 29,770,000 | 28,193,000 | 29,561,000 |
| Total capital | 33,143,000 | 32,904,000 | 31,302,000 | 32,713,000 |
| Risk-weighted assets | 260,748,000 | 247,832,000 | 246,521,000 | 250,310,000 |