Call reports 2015
SAINT LOUIS BANK — 2015
What SAINT LOUIS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 393,193,000 | 381,602,000 | 382,383,000 | 383,054,000 |
| Total loans | 249,495,000 | 256,802,000 | 261,878,000 | 276,659,000 |
| Allowance for loan losses | 4,801,000 | 4,659,000 | 4,269,000 | 3,835,000 |
| Securities available for sale | 64,035,000 | 57,156,000 | 54,404,000 | 62,916,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 354,923,000 | 343,590,000 | 344,140,000 | 340,311,000 |
| Interest-bearing deposits | 321,177,000 | 309,683,000 | 301,490,000 | 299,017,000 |
| Noninterest-bearing deposits | 33,746,000 | 33,907,000 | 42,650,000 | 41,294,000 |
| Equity capital | 36,721,000 | 36,792,000 | 37,226,000 | 37,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,118,000 | 6,276,000 | 9,495,000 | 12,748,000 |
| Interest expense | 521,000 | 1,039,000 | 1,560,000 | 2,070,000 |
| Net interest income | 2,597,000 | 5,237,000 | 7,935,000 | 10,678,000 |
| Noninterest income | 78,000 | 82,000 | -23,000 | 58,000 |
| Noninterest expense | 2,073,000 | 4,104,000 | 6,017,000 | 8,303,000 |
| Provision for loan losses | 0 | 0 | 500,000 | 500,000 |
| Pretax income | 602,000 | 1,215,000 | 1,395,000 | 1,933,000 |
| Income tax | 233,000 | 472,000 | 546,000 | 754,000 |
| Net income | 369,000 | 743,000 | 849,000 | 1,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,174,000 | 32,720,000 | 32,909,000 | 32,931,000 |
| Total capital | 35,677,000 | 36,155,000 | 36,366,000 | 36,564,000 |
| Risk-weighted assets | 275,886,000 | 270,617,000 | 271,466,000 | 287,544,000 |