Call reports 2023
SAINT LOUIS BANK — 2023
What SAINT LOUIS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 874,075,000 | 911,850,000 | 946,349,000 | 950,089,000 |
| Total loans | 698,936,000 | 738,287,000 | 761,710,000 | 760,332,000 |
| Allowance for loan losses | 8,815,000 | 9,113,000 | 9,633,000 | 10,142,000 |
| Securities available for sale | 82,100,000 | 80,738,000 | 95,335,000 | 97,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 761,866,000 | 799,347,000 | 833,762,000 | 831,885,000 |
| Interest-bearing deposits | 615,694,000 | 665,284,000 | 688,034,000 | 692,989,000 |
| Noninterest-bearing deposits | 146,172,000 | 134,063,000 | 145,728,000 | 138,896,000 |
| Equity capital | 75,482,000 | 75,767,000 | 76,024,000 | 77,040,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 10,435,000 | 21,893,000 | 35,161,000 | 48,882,000 |
| Interest expense | 3,819,000 | 8,927,000 | 15,245,000 | 21,822,000 |
| Net interest income | 6,616,000 | 12,966,000 | 19,916,000 | 27,060,000 |
| Noninterest income | 469,000 | 1,538,000 | 2,082,000 | 3,355,000 |
| Noninterest expense | 5,571,000 | 11,311,000 | 16,643,000 | 25,707,000 |
| Provision for loan losses | 50,000 | 325,000 | 840,000 | 1,508,000 |
| Pretax income | 1,464,000 | 2,860,000 | 4,507,000 | 2,190,000 |
| Income tax | 376,000 | 559,000 | 896,000 | 257,000 |
| Net income | 1,088,000 | 2,301,000 | 3,611,000 | 1,933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,312,000 | 81,617,000 | 83,097,000 | 81,099,000 |
| Total capital | 89,190,000 | 90,793,000 | 92,793,000 | 91,683,000 |
| Risk-weighted assets | 748,666,000 | 805,459,000 | 825,923,000 | 849,004,000 |