Call reports 2008
CNB ST. LOUIS BANK — 2008
What CNB ST. LOUIS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 464,027,000 | 473,179,000 | 482,482,000 | 485,259,000 |
| Total loans | 372,448,000 | 388,754,000 | 389,520,000 | 392,391,000 |
| Allowance for loan losses | 7,353,000 | 7,344,000 | 7,243,000 | 7,114,000 |
| Securities available for sale | 69,326,000 | 64,353,000 | 72,930,000 | 71,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,248,000 | 341,402,000 | 337,214,000 | 371,206,000 |
| Interest-bearing deposits | 326,920,000 | 319,389,000 | 315,356,000 | 345,326,000 |
| Noninterest-bearing deposits | 23,328,000 | 22,013,000 | 21,858,000 | 25,880,000 |
| Equity capital | 43,627,000 | 43,031,000 | 43,845,000 | 45,168,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,123,000 | 13,805,000 | 20,347,000 | 26,841,000 |
| Interest expense | 3,524,000 | 6,554,000 | 9,499,000 | 12,243,000 |
| Net interest income | 3,599,000 | 7,251,000 | 10,848,000 | 14,598,000 |
| Noninterest income | 341,000 | 680,000 | 1,044,000 | 1,504,000 |
| Noninterest expense | 2,385,000 | 4,787,000 | 7,180,000 | 9,689,000 |
| Provision for loan losses | 61,000 | 147,000 | 225,000 | 872,000 |
| Pretax income | 1,494,000 | 2,997,000 | 4,487,000 | 5,541,000 |
| Income tax | 456,000 | 959,000 | 1,429,000 | 1,683,000 |
| Net income | 1,038,000 | 2,038,000 | 3,058,000 | 3,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,067,000 | 43,425,000 | 44,018,000 | 44,152,000 |
| Total capital | 48,299,000 | 48,784,000 | 49,454,000 | 49,649,000 |
| Risk-weighted assets | 416,423,000 | 426,740,000 | 433,052,000 | 438,140,000 |