Call reports 2005
MISSOURI STATE BANK AND TRUST COMPANY — 2005
What MISSOURI STATE BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 681,649,000 | 704,704,000 | 711,111,000 | 747,865,000 |
| Total loans | 588,946,000 | 605,973,000 | 633,036,000 | 630,060,000 |
| Allowance for loan losses | 8,261,000 | 8,260,000 | 8,463,000 | 8,672,000 |
| Securities available for sale | 45,977,000 | 47,665,000 | 44,241,000 | 49,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 582,325,000 | 606,030,000 | 602,453,000 | 641,834,000 |
| Interest-bearing deposits | 476,587,000 | 483,707,000 | 483,071,000 | 478,368,000 |
| Noninterest-bearing deposits | 105,738,000 | 122,323,000 | 119,382,000 | 163,466,000 |
| Equity capital | 62,093,000 | 64,958,000 | 66,693,000 | 70,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 9,714,000 | 20,400,000 | 32,088,000 | 44,380,000 |
| Interest expense | 2,827,000 | 6,212,000 | 10,111,000 | 14,324,000 |
| Net interest income | 6,887,000 | 14,188,000 | 21,977,000 | 30,056,000 |
| Noninterest income | 710,000 | 1,446,000 | 2,180,000 | 2,844,000 |
| Noninterest expense | 3,671,000 | 7,459,000 | 11,335,000 | 15,138,000 |
| Provision for loan losses | 123,000 | 308,000 | 503,000 | 698,000 |
| Pretax income | 3,803,000 | 7,867,000 | 12,319,000 | 17,064,000 |
| Income tax | 1,468,000 | 2,976,000 | 4,614,000 | 6,347,000 |
| Net income | 2,335,000 | 4,891,000 | 7,705,000 | 10,717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,514,000 | 60,070,000 | 62,074,000 | 66,193,000 |
| Total capital | 65,418,000 | 68,276,000 | 70,535,000 | 74,748,000 |
| Risk-weighted assets | 631,976,000 | 656,388,000 | 676,873,000 | 684,317,000 |