Call reports 2014
CNB ST. LOUIS BANK — 2014
What CNB ST. LOUIS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 427,806,000 | 427,397,000 | 419,253,000 | 418,859,000 |
| Total loans | 297,355,000 | 299,898,000 | 288,360,000 | 293,068,000 |
| Allowance for loan losses | 5,832,000 | 6,250,000 | 6,674,000 | 7,304,000 |
| Securities available for sale | 102,294,000 | 100,480,000 | 99,729,000 | 101,265,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 363,629,000 | 364,322,000 | 355,468,000 | 354,764,000 |
| Interest-bearing deposits | 326,279,000 | 335,829,000 | 321,327,000 | 323,050,000 |
| Noninterest-bearing deposits | 37,350,000 | 28,493,000 | 34,141,000 | 31,714,000 |
| Equity capital | 53,880,000 | 54,977,000 | 52,109,000 | 52,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,910,000 | 7,739,000 | 11,798,000 | 15,679,000 |
| Interest expense | 472,000 | 927,000 | 1,377,000 | 1,810,000 |
| Net interest income | 3,438,000 | 6,812,000 | 10,421,000 | 13,869,000 |
| Noninterest income | 246,000 | 581,000 | 1,174,000 | 1,620,000 |
| Noninterest expense | 2,657,000 | 5,211,000 | 7,832,000 | 10,449,000 |
| Provision for loan losses | 691,000 | 1,283,000 | 1,889,000 | 3,089,000 |
| Pretax income | 336,000 | 899,000 | 1,874,000 | 1,951,000 |
| Income tax | 31,000 | 132,000 | 377,000 | 304,000 |
| Net income | 305,000 | 767,000 | 1,497,000 | 1,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,868,000 | 55,330,000 | 52,310,000 | 52,460,000 |
| Total capital | 59,264,000 | 59,808,000 | 56,614,000 | 56,876,000 |
| Risk-weighted assets | 352,155,000 | 356,321,000 | 341,817,000 | 350,305,000 |