Call reports 2003
MISSOURI STATE BANK AND TRUST COMPANY — 2003
What MISSOURI STATE BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 563,109,000 | 539,697,000 | 543,240,000 | 567,170,000 |
| Total loans | 492,230,000 | 470,625,000 | 480,667,000 | 500,670,000 |
| Allowance for loan losses | 6,910,000 | 7,003,000 | 5,860,000 | 6,833,000 |
| Securities available for sale | 29,764,000 | 27,219,000 | 26,188,000 | 25,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 477,403,000 | 447,116,000 | 452,307,000 | 479,045,000 |
| Interest-bearing deposits | 390,138,000 | 358,272,000 | 358,421,000 | 359,372,000 |
| Noninterest-bearing deposits | 87,265,000 | 88,844,000 | 93,886,000 | 119,673,000 |
| Equity capital | 52,698,000 | 52,804,000 | 53,241,000 | 54,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,558,000 | 15,306,000 | 22,402,000 | 29,714,000 |
| Interest expense | 2,901,000 | 5,595,000 | 7,761,000 | 9,772,000 |
| Net interest income | 4,657,000 | 9,711,000 | 14,641,000 | 19,942,000 |
| Noninterest income | 822,000 | 4,222,000 | 5,165,000 | 5,871,000 |
| Noninterest expense | 3,236,000 | 6,710,000 | 9,877,000 | 13,105,000 |
| Provision for loan losses | 491,000 | 985,000 | 1,468,000 | 2,316,000 |
| Pretax income | 1,752,000 | 6,238,000 | 8,461,000 | 10,392,000 |
| Income tax | 691,000 | 2,453,000 | 3,329,000 | 3,837,000 |
| Net income | 1,061,000 | 3,785,000 | 5,132,000 | 6,555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,955,000 | 46,909,000 | 47,446,000 | 48,869,000 |
| Total capital | 53,513,000 | 53,166,000 | 53,306,000 | 55,652,000 |
| Risk-weighted assets | 524,325,000 | 499,781,000 | 519,251,000 | 542,558,000 |