Call reports 2003
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2003
What FIRST STATE BANK OF ST. CHARLES, MISSOURI 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 | 144,678,000 | 149,739,000 | 150,556,000 | 152,860,000 |
| Total loans | 108,135,000 | 103,346,000 | 101,603,000 | 104,945,000 |
| Allowance for loan losses | 942,000 | 949,000 | 956,000 | 941,000 |
| Securities available for sale | 24,876,000 | 26,887,000 | 32,316,000 | 35,227,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,323,000 | 120,773,000 | 121,104,000 | 122,805,000 |
| Interest-bearing deposits | 87,266,000 | 88,946,000 | 89,804,000 | 92,413,000 |
| Noninterest-bearing deposits | 29,057,000 | 31,827,000 | 31,300,000 | 30,392,000 |
| Equity capital | 22,492,000 | 22,938,000 | 23,561,000 | 23,834,000 |
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 | 2,163,000 | 4,270,000 | 6,282,000 | 8,306,000 |
| Interest expense | 405,000 | 776,000 | 1,119,000 | 1,450,000 |
| Net interest income | 1,758,000 | 3,494,000 | 5,163,000 | 6,856,000 |
| Noninterest income | 408,000 | 695,000 | 1,048,000 | 1,481,000 |
| Noninterest expense | 875,000 | 1,735,000 | 2,603,000 | 3,700,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,291,000 | 2,454,000 | 3,608,000 | 4,638,000 |
| Income tax | 477,000 | 918,000 | 1,366,000 | 1,768,000 |
| Net income | 814,000 | 1,536,000 | 2,242,000 | 2,870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,297,000 | 22,779,000 | 23,485,000 | 23,777,000 |
| Total capital | 23,239,000 | 23,728,000 | 24,441,000 | 24,718,000 |
| Risk-weighted assets | 102,883,000 | 103,478,000 | 100,854,000 | 104,265,000 |