Call reports 2020
SAINT LOUIS BANK — 2020
What SAINT LOUIS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 491,086,000 | 632,846,000 | 632,450,000 | 648,947,000 |
| Total loans | 386,097,000 | 506,960,000 | 523,852,000 | 470,531,000 |
| Allowance for loan losses | 4,801,000 | 5,895,000 | 5,901,000 | 5,998,000 |
| Securities available for sale | 48,927,000 | 46,034,000 | 44,988,000 | 50,531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 441,925,000 | 478,384,000 | 475,889,000 | 534,152,000 |
| Interest-bearing deposits | 373,349,000 | 374,151,000 | 371,715,000 | 378,112,000 |
| Noninterest-bearing deposits | 68,576,000 | 104,233,000 | 104,174,000 | 156,040,000 |
| Equity capital | 47,264,000 | 47,747,000 | 49,175,000 | 50,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,916,000 | 10,882,000 | 16,916,000 | 22,959,000 |
| Interest expense | 1,280,000 | 2,412,000 | 3,405,000 | 4,242,000 |
| Net interest income | 3,636,000 | 8,470,000 | 13,511,000 | 18,717,000 |
| Noninterest income | 662,000 | 894,000 | 1,708,000 | 2,257,000 |
| Noninterest expense | 3,364,000 | 7,698,000 | 11,525,000 | 15,432,000 |
| Provision for loan losses | 183,000 | 1,243,000 | 1,243,000 | 1,243,000 |
| Pretax income | 751,000 | 423,000 | 2,451,000 | 4,299,000 |
| Income tax | 151,000 | 104,000 | 544,000 | 931,000 |
| Net income | 600,000 | 319,000 | 1,907,000 | 3,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,383,000 | 44,948,000 | 46,618,000 | 48,134,000 |
| Total capital | 50,227,000 | 50,171,000 | 52,012,000 | 53,468,000 |
| Risk-weighted assets | 413,599,000 | 417,168,000 | 431,035,000 | 426,038,000 |