Call reports 2004
CNB ST. LOUIS BANK — 2004
What CNB ST. LOUIS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 347,487,000 | 349,980,000 | 356,064,000 | 371,949,000 |
| Total loans | 264,535,000 | 277,842,000 | 283,133,000 | 291,293,000 |
| Allowance for loan losses | 5,615,000 | 5,822,000 | 5,841,000 | 5,795,000 |
| Securities available for sale | 48,324,000 | 47,845,000 | 47,725,000 | 55,432,000 |
| Securities held to maturity | 9,769,000 | 10,500,000 | 11,490,000 | 12,015,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,690,000 | 303,661,000 | 301,201,000 | 313,223,000 |
| Interest-bearing deposits | 277,495,000 | 281,512,000 | 283,170,000 | 290,331,000 |
| Noninterest-bearing deposits | 21,195,000 | 22,149,000 | 18,031,000 | 22,892,000 |
| Equity capital | 30,836,000 | 30,722,000 | 31,813,000 | 32,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,036,000 | 8,145,000 | 12,469,000 | 17,149,000 |
| Interest expense | 847,000 | 1,782,000 | 2,779,000 | 3,942,000 |
| Net interest income | 3,189,000 | 6,363,000 | 9,690,000 | 13,207,000 |
| Noninterest income | 418,000 | 903,000 | 1,390,000 | 1,736,000 |
| Noninterest expense | 2,091,000 | 4,164,000 | 6,349,000 | 8,549,000 |
| Provision for loan losses | 234,000 | 440,000 | 489,000 | 489,000 |
| Pretax income | 1,282,000 | 2,662,000 | 4,242,000 | 5,905,000 |
| Income tax | 380,000 | 758,000 | 1,211,000 | 1,689,000 |
| Net income | 902,000 | 1,904,000 | 3,031,000 | 4,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,578,000 | 31,154,000 | 31,854,000 | 32,528,000 |
| Total capital | 34,233,000 | 34,954,000 | 35,760,000 | 36,593,000 |
| Risk-weighted assets | 290,437,000 | 301,948,000 | 310,543,000 | 323,499,000 |