Call reports 2004
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2004
What FIRST STATE BANK OF ST. CHARLES, MISSOURI 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 | 152,570,000 | 150,559,000 | 153,785,000 | 151,575,000 |
| Total loans | 108,482,000 | 105,774,000 | 110,645,000 | 112,305,000 |
| Allowance for loan losses | 956,000 | 1,039,000 | 1,049,000 | 1,135,000 |
| Securities available for sale | 30,959,000 | 31,041,000 | 32,705,000 | 25,989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,996,000 | 120,532,000 | 123,027,000 | 120,858,000 |
| Interest-bearing deposits | 91,151,000 | 88,952,000 | 88,194,000 | 86,684,000 |
| Noninterest-bearing deposits | 30,845,000 | 31,580,000 | 34,833,000 | 34,174,000 |
| Equity capital | 24,521,000 | 23,967,000 | 24,813,000 | 24,767,000 |
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 | 1,967,000 | 3,906,000 | 5,869,000 | 7,868,000 |
| Interest expense | 306,000 | 596,000 | 879,000 | 1,158,000 |
| Net interest income | 1,661,000 | 3,310,000 | 4,990,000 | 6,710,000 |
| Noninterest income | 258,000 | 875,000 | 1,269,000 | 1,600,000 |
| Noninterest expense | 937,000 | 1,881,000 | 2,896,000 | 3,969,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 978,000 | 2,300,000 | 3,355,000 | 4,300,000 |
| Income tax | 358,000 | 851,000 | 1,239,000 | 1,571,000 |
| Net income | 620,000 | 1,449,000 | 2,116,000 | 2,729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,397,000 | 24,129,000 | 24,796,000 | 24,849,000 |
| Total capital | 25,353,000 | 25,168,000 | 25,845,000 | 25,984,000 |
| Risk-weighted assets | 107,663,000 | 107,680,000 | 113,405,000 | 116,493,000 |