Call reports 2005
CNB ST. LOUIS BANK — 2005
What CNB ST. LOUIS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 398,346,000 | 410,326,000 | 414,179,000 | 414,430,000 |
| Total loans | 317,444,000 | 329,300,000 | 337,972,000 | 340,622,000 |
| Allowance for loan losses | 6,064,000 | 6,261,000 | 6,519,000 | 6,611,000 |
| Securities available for sale | 54,262,000 | 54,549,000 | 50,078,000 | 44,798,000 |
| Securities held to maturity | 12,389,000 | 13,780,000 | 13,869,000 | 13,589,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 333,488,000 | 337,946,000 | 343,085,000 | 342,267,000 |
| Interest-bearing deposits | 308,027,000 | 318,084,000 | 320,114,000 | 314,724,000 |
| Noninterest-bearing deposits | 25,461,000 | 19,862,000 | 22,971,000 | 27,543,000 |
| Equity capital | 32,358,000 | 33,604,000 | 34,344,000 | 34,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,061,000 | 10,736,000 | 16,829,000 | 23,056,000 |
| Interest expense | 1,433,000 | 3,279,000 | 5,344,000 | 7,665,000 |
| Net interest income | 3,628,000 | 7,457,000 | 11,485,000 | 15,391,000 |
| Noninterest income | 312,000 | 665,000 | 1,031,000 | 1,368,000 |
| Noninterest expense | 2,053,000 | 4,173,000 | 6,312,000 | 8,483,000 |
| Provision for loan losses | 284,000 | 555,000 | 840,000 | 1,122,000 |
| Pretax income | 1,603,000 | 3,394,000 | 5,364,000 | 7,154,000 |
| Income tax | 519,000 | 1,099,000 | 1,763,000 | 2,274,000 |
| Net income | 1,084,000 | 2,295,000 | 3,601,000 | 4,880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,099,000 | 33,884,000 | 34,762,000 | 35,613,000 |
| Total capital | 37,524,000 | 38,439,000 | 39,404,000 | 40,258,000 |
| Risk-weighted assets | 352,322,000 | 362,664,000 | 369,504,000 | 369,609,000 |