Call reports 2025
SAINT LOUIS BANK — 2025
What SAINT LOUIS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,074,162,000 | 1,052,321,000 | 1,012,162,000 | 1,018,727,000 |
| Total loans | 785,568,000 | 808,717,000 | 844,666,000 | 862,502,000 |
| Allowance for loan losses | 11,673,000 | 12,356,000 | 12,985,000 | 10,438,000 |
| Securities available for sale | 102,521,000 | 111,496,000 | 104,793,000 | 106,989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 969,745,000 | 944,739,000 | 901,479,000 | 905,533,000 |
| Interest-bearing deposits | 827,906,000 | 797,699,000 | 766,990,000 | 767,924,000 |
| Noninterest-bearing deposits | 141,839,000 | 147,040,000 | 134,489,000 | 137,609,000 |
| Equity capital | 86,027,000 | 88,316,000 | 91,483,000 | 93,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 15,123,000 | 30,351,000 | 45,127,000 | 59,975,000 |
| Interest expense | 6,923,000 | 13,809,000 | 20,471,000 | 26,622,000 |
| Net interest income | 8,200,000 | 16,542,000 | 24,656,000 | 33,353,000 |
| Noninterest income | 1,287,000 | 2,157,000 | 2,816,000 | 2,878,000 |
| Noninterest expense | 5,820,000 | 11,195,000 | 16,404,000 | 21,308,000 |
| Provision for loan losses | 400,000 | 1,075,000 | 1,839,000 | 2,114,000 |
| Pretax income | 3,299,000 | 6,487,000 | 9,282,000 | 12,880,000 |
| Income tax | 728,000 | 1,435,000 | 2,047,000 | 2,856,000 |
| Net income | 2,571,000 | 5,052,000 | 7,235,000 | 10,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,850,000 | 91,298,000 | 93,521,000 | 95,670,000 |
| Total capital | 102,376,000 | 102,511,000 | 104,946,000 | 106,416,000 |
| Risk-weighted assets | 921,618,000 | 895,636,000 | 912,181,000 | 930,344,000 |