Call reports 2001
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2001
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 127,586,000 | 128,893,000 | 137,460,000 | 136,932,000 |
| Total loans | 113,850,000 | 112,666,000 | 111,452,000 | 108,052,000 |
| Allowance for loan losses | 1,385,000 | 1,497,000 | 1,277,000 | 1,224,000 |
| Securities available for sale | 154,000 | 156,000 | 9,768,000 | 18,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,516,000 | 102,130,000 | 110,570,000 | 114,370,000 |
| Interest-bearing deposits | 76,141,000 | 77,638,000 | 83,881,000 | 86,270,000 |
| Noninterest-bearing deposits | 25,375,000 | 24,492,000 | 26,689,000 | 28,100,000 |
| Equity capital | 25,157,000 | 25,773,000 | 26,357,000 | 21,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,462,000 | 4,938,000 | 7,432,000 | 9,899,000 |
| Interest expense | 719,000 | 1,459,000 | 2,188,000 | 2,808,000 |
| Net interest income | 1,743,000 | 3,479,000 | 5,244,000 | 7,091,000 |
| Noninterest income | 342,000 | 636,000 | 1,169,000 | 1,572,000 |
| Noninterest expense | 965,000 | 1,859,000 | 2,853,000 | 4,027,000 |
| Provision for loan losses | 0 | 90,000 | 555,000 | 868,000 |
| Pretax income | 1,120,000 | 2,166,000 | 3,005,000 | 3,768,000 |
| Income tax | 398,000 | 803,000 | 1,114,000 | 1,403,000 |
| Net income | 722,000 | 1,363,000 | 1,891,000 | 2,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,156,000 | 25,772,000 | 26,300,000 | 21,906,000 |
| Total capital | 26,516,000 | 27,047,000 | 27,580,000 | 23,129,000 |
| Risk-weighted assets | 108,803,000 | 101,737,000 | 102,284,000 | 97,856,000 |