Call reports 2004
MISSOURI STATE BANK AND TRUST COMPANY — 2004
What MISSOURI STATE BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 624,667,000 | 625,271,000 | 638,333,000 | 662,398,000 |
| Total loans | 512,412,000 | 545,854,000 | 566,691,000 | 583,255,000 |
| Allowance for loan losses | 7,351,000 | 7,709,000 | 8,126,000 | 8,081,000 |
| Securities available for sale | 29,790,000 | 39,794,000 | 36,989,000 | 36,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 532,954,000 | 523,529,000 | 520,373,000 | 562,066,000 |
| Interest-bearing deposits | 439,365,000 | 427,243,000 | 420,284,000 | 443,677,000 |
| Noninterest-bearing deposits | 93,589,000 | 96,286,000 | 100,089,000 | 118,389,000 |
| Equity capital | 55,970,000 | 58,291,000 | 59,917,000 | 62,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,427,000 | 15,196,000 | 23,613,000 | 32,796,000 |
| Interest expense | 2,121,000 | 4,253,000 | 6,520,000 | 9,008,000 |
| Net interest income | 5,306,000 | 10,943,000 | 17,093,000 | 23,788,000 |
| Noninterest income | 742,000 | 1,518,000 | 2,196,000 | 3,007,000 |
| Noninterest expense | 3,239,000 | 6,682,000 | 10,156,000 | 13,799,000 |
| Provision for loan losses | 402,000 | 739,000 | 1,096,000 | 1,277,000 |
| Pretax income | 2,407,000 | 5,040,000 | 8,066,000 | 11,748,000 |
| Income tax | 947,000 | 1,983,000 | 3,113,000 | 4,255,000 |
| Net income | 1,460,000 | 3,057,000 | 4,953,000 | 7,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,119,000 | 53,316,000 | 54,480,000 | 57,339,000 |
| Total capital | 57,173,000 | 60,657,000 | 62,029,000 | 65,134,000 |
| Risk-weighted assets | 564,021,000 | 586,901,000 | 603,309,000 | 623,311,000 |