Call reports 2002
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2002
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 142,013,000 | 144,791,000 | 141,824,000 | 142,678,000 |
| Total loans | 106,494,000 | 110,852,000 | 109,628,000 | 107,318,000 |
| Allowance for loan losses | 1,226,000 | 1,139,000 | 1,136,000 | 776,000 |
| Securities available for sale | 22,562,000 | 21,452,000 | 21,895,000 | 23,720,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,297,000 | 118,957,000 | 115,138,000 | 115,367,000 |
| Interest-bearing deposits | 89,105,000 | 90,106,000 | 88,730,000 | 87,283,000 |
| Noninterest-bearing deposits | 28,192,000 | 28,851,000 | 26,408,000 | 28,084,000 |
| Equity capital | 19,193,000 | 20,204,000 | 21,123,000 | 21,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,267,000 | 4,639,000 | 6,997,000 | 9,259,000 |
| Interest expense | 563,000 | 1,108,000 | 1,616,000 | 2,068,000 |
| Net interest income | 1,704,000 | 3,531,000 | 5,381,000 | 7,191,000 |
| Noninterest income | 284,000 | 796,000 | 1,067,000 | 1,303,000 |
| Noninterest expense | 897,000 | 1,791,000 | 2,685,000 | 3,700,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,088,000 | 2,533,000 | 3,760,000 | 4,791,000 |
| Income tax | 396,000 | 964,000 | 1,394,000 | 1,777,000 |
| Net income | 692,000 | 1,569,000 | 2,366,000 | 3,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,211,000 | 20,088,000 | 20,885,000 | 21,483,000 |
| Total capital | 20,433,000 | 21,227,000 | 22,021,000 | 22,259,000 |
| Risk-weighted assets | 97,792,000 | 99,989,000 | 98,904,000 | 98,121,000 |