Call reports 2006
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2006
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 185,669,000 | 186,088,000 | 189,582,000 | 185,122,000 |
| Total loans | 160,738,000 | 163,465,000 | 164,721,000 | 160,066,000 |
| Allowance for loan losses | 1,192,000 | 1,240,000 | 1,198,000 | 1,226,000 |
| Securities available for sale | 7,812,000 | 6,664,000 | 8,362,000 | 8,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,129,000 | 137,845,000 | 145,832,000 | 150,041,000 |
| Interest-bearing deposits | 95,684,000 | 102,444,000 | 106,683,000 | 110,736,000 |
| Noninterest-bearing deposits | 42,445,000 | 35,401,000 | 39,149,000 | 39,305,000 |
| Equity capital | 27,485,000 | 27,608,000 | 28,355,000 | 28,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,794,000 | 5,897,000 | 9,155,000 | 12,477,000 |
| Interest expense | 755,000 | 1,715,000 | 2,774,000 | 3,908,000 |
| Net interest income | 2,039,000 | 4,182,000 | 6,381,000 | 8,569,000 |
| Noninterest income | 300,000 | 644,000 | 978,000 | 1,323,000 |
| Noninterest expense | 1,164,000 | 2,373,000 | 3,625,000 | 4,894,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 100,000 |
| Pretax income | 1,124,000 | 2,329,000 | 3,563,000 | 4,802,000 |
| Income tax | 399,000 | 834,000 | 1,336,000 | 1,729,000 |
| Net income | 725,000 | 1,495,000 | 2,227,000 | 3,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,680,000 | 27,807,000 | 28,422,000 | 28,846,000 |
| Total capital | 28,872,000 | 29,047,000 | 29,630,000 | 30,072,000 |
| Risk-weighted assets | 153,444,000 | 158,410,000 | 158,384,000 | 153,936,000 |