Call reports 2003
CNB ST. LOUIS BANK — 2003
What CNB ST. LOUIS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 311,462,000 | 317,418,000 | 317,816,000 | 329,480,000 |
| Total loans | 232,714,000 | 240,359,000 | 240,013,000 | 253,572,000 |
| Allowance for loan losses | 4,427,000 | 4,678,000 | 5,000,000 | 5,400,000 |
| Securities available for sale | 50,032,000 | 48,412,000 | 54,734,000 | 49,346,000 |
| Securities held to maturity | 7,881,000 | 8,611,000 | 9,921,000 | 9,734,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,372,000 | 277,086,000 | 276,497,000 | 272,628,000 |
| Interest-bearing deposits | 258,264,000 | 258,377,000 | 257,896,000 | 250,885,000 |
| Noninterest-bearing deposits | 16,108,000 | 18,709,000 | 18,601,000 | 21,743,000 |
| Equity capital | 29,032,000 | 29,684,000 | 29,710,000 | 30,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,236,000 | 8,282,000 | 12,284,000 | 16,257,000 |
| Interest expense | 1,093,000 | 2,085,000 | 2,972,000 | 3,774,000 |
| Net interest income | 3,143,000 | 6,197,000 | 9,312,000 | 12,483,000 |
| Noninterest income | 706,000 | 1,376,000 | 2,053,000 | 2,455,000 |
| Noninterest expense | 2,142,000 | 4,279,000 | 6,404,000 | 8,479,000 |
| Provision for loan losses | 386,000 | 763,000 | 1,085,000 | 1,229,000 |
| Pretax income | 1,321,000 | 2,564,000 | 3,908,000 | 5,262,000 |
| Income tax | 414,000 | 784,000 | 1,188,000 | 1,540,000 |
| Net income | 907,000 | 1,780,000 | 2,720,000 | 3,722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,474,000 | 29,008,000 | 29,608,000 | 30,100,000 |
| Total capital | 31,667,000 | 32,306,000 | 32,874,000 | 33,584,000 |
| Risk-weighted assets | 254,165,000 | 262,591,000 | 259,542,000 | 276,776,000 |