Call reports 2015
CNB ST. LOUIS BANK — 2015
What CNB ST. LOUIS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 430,007,000 | 428,127,000 | 426,560,000 | 441,660,000 |
| Total loans | 309,308,000 | 308,167,000 | 298,613,000 | 305,656,000 |
| Allowance for loan losses | 7,374,000 | 6,973,000 | 6,729,000 | 6,556,000 |
| Securities available for sale | 95,850,000 | 95,362,000 | 96,986,000 | 100,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,816,000 | 363,856,000 | 357,055,000 | 374,014,000 |
| Interest-bearing deposits | 323,905,000 | 320,153,000 | 313,069,000 | 325,023,000 |
| Noninterest-bearing deposits | 40,911,000 | 43,703,000 | 43,987,000 | 48,991,000 |
| Equity capital | 53,492,000 | 53,126,000 | 53,941,000 | 54,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,794,000 | 7,688,000 | 11,517,000 | 15,380,000 |
| Interest expense | 418,000 | 832,000 | 1,247,000 | 1,652,000 |
| Net interest income | 3,376,000 | 6,856,000 | 10,270,000 | 13,728,000 |
| Noninterest income | 580,000 | 1,176,000 | 1,684,000 | 1,946,000 |
| Noninterest expense | 2,759,000 | 5,555,000 | 8,419,000 | 11,174,000 |
| Provision for loan losses | 48,000 | 114,000 | 148,000 | 81,000 |
| Pretax income | 1,149,000 | 2,363,000 | 3,387,000 | 4,419,000 |
| Income tax | 366,000 | 757,000 | 1,070,000 | 1,297,000 |
| Net income | 783,000 | 1,606,000 | 2,317,000 | 3,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,941,000 | 53,302,000 | 53,632,000 | 54,065,000 |
| Total capital | 57,607,000 | 57,736,000 | 58,053,000 | 58,552,000 |
| Risk-weighted assets | 370,426,000 | 352,051,000 | 351,227,000 | 356,740,000 |