Call reports 2006
CNB ST. LOUIS BANK — 2006
What CNB ST. LOUIS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 413,650,000 | 424,276,000 | 429,115,000 | 439,922,000 |
| Total loans | 337,874,000 | 349,141,000 | 351,677,000 | 358,135,000 |
| Allowance for loan losses | 6,762,000 | 6,906,000 | 7,035,000 | 7,090,000 |
| Securities available for sale | 48,078,000 | 46,954,000 | 48,215,000 | 48,190,000 |
| Securities held to maturity | 13,667,000 | 15,584,000 | 15,836,000 | 17,071,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,667,000 | 333,936,000 | 350,670,000 | 355,954,000 |
| Interest-bearing deposits | 300,869,000 | 310,132,000 | 328,461,000 | 332,855,000 |
| Noninterest-bearing deposits | 23,798,000 | 23,804,000 | 22,209,000 | 23,099,000 |
| Equity capital | 35,593,000 | 36,148,000 | 37,638,000 | 38,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,342,000 | 13,032,000 | 20,219,000 | 27,539,000 |
| Interest expense | 2,438,000 | 5,297,000 | 8,643,000 | 12,198,000 |
| Net interest income | 3,904,000 | 7,735,000 | 11,576,000 | 15,341,000 |
| Noninterest income | 349,000 | 710,000 | 1,083,000 | 1,454,000 |
| Noninterest expense | 2,152,000 | 4,270,000 | 6,391,000 | 8,540,000 |
| Provision for loan losses | 222,000 | 414,000 | 543,000 | 676,000 |
| Pretax income | 1,879,000 | 3,761,000 | 5,725,000 | 7,579,000 |
| Income tax | 627,000 | 1,228,000 | 1,812,000 | 2,241,000 |
| Net income | 1,252,000 | 2,533,000 | 3,913,000 | 5,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,438,000 | 37,291,000 | 38,242,000 | 39,239,000 |
| Total capital | 41,095,000 | 42,049,000 | 43,036,000 | 44,138,000 |
| Risk-weighted assets | 370,453,000 | 378,473,000 | 381,259,000 | 389,700,000 |