Call reports 2016
SAINT LOUIS BANK — 2016
What SAINT LOUIS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 406,237,000 | 398,155,000 | 408,605,000 | 416,498,000 |
| Total loans | 271,713,000 | 289,863,000 | 296,530,000 | 305,697,000 |
| Allowance for loan losses | 3,845,000 | 3,881,000 | 3,974,000 | 4,017,000 |
| Securities available for sale | 56,564,000 | 54,317,000 | 42,070,000 | 38,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,085,000 | 358,418,000 | 368,346,000 | 376,091,000 |
| Interest-bearing deposits | 324,006,000 | 311,103,000 | 312,314,000 | 311,908,000 |
| Noninterest-bearing deposits | 43,079,000 | 47,315,000 | 56,032,000 | 64,183,000 |
| Equity capital | 38,085,000 | 38,607,000 | 39,051,000 | 38,941,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,324,000 | 6,652,000 | 10,071,000 | 13,452,000 |
| Interest expense | 557,000 | 1,108,000 | 1,759,000 | 2,421,000 |
| Net interest income | 2,767,000 | 5,544,000 | 8,312,000 | 11,031,000 |
| Noninterest income | 53,000 | -47,000 | 94,000 | 124,000 |
| Noninterest expense | 1,985,000 | 3,852,000 | 6,053,000 | 7,893,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 835,000 | 1,660,000 | 2,528,000 | 3,437,000 |
| Income tax | 320,000 | 638,000 | 971,000 | 1,316,000 |
| Net income | 515,000 | 1,022,000 | 1,557,000 | 2,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,369,000 | 34,090,000 | 34,430,000 | 34,888,000 |
| Total capital | 36,991,000 | 37,946,000 | 38,383,000 | 38,905,000 |
| Risk-weighted assets | 287,595,000 | 306,644,000 | 314,368,000 | 326,544,000 |