Call reports 2007
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2007
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 188,314,000 | 182,696,000 | 181,364,000 | 185,056,000 |
| Total loans | 163,546,000 | 157,922,000 | 154,451,000 | 154,872,000 |
| Allowance for loan losses | 1,304,000 | 1,410,000 | 1,348,000 | 1,302,000 |
| Securities available for sale | 8,148,000 | 9,746,000 | 12,057,000 | 14,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,185,000 | 142,702,000 | 136,780,000 | 137,803,000 |
| Interest-bearing deposits | 110,336,000 | 108,636,000 | 103,310,000 | 102,786,000 |
| Noninterest-bearing deposits | 36,849,000 | 34,066,000 | 33,470,000 | 35,017,000 |
| Equity capital | 29,358,000 | 29,501,000 | 29,906,000 | 30,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,261,000 | 6,522,000 | 9,734,000 | 12,899,000 |
| Interest expense | 1,121,000 | 2,285,000 | 3,419,000 | 4,448,000 |
| Net interest income | 2,140,000 | 4,237,000 | 6,315,000 | 8,451,000 |
| Noninterest income | 352,000 | 715,000 | 1,137,000 | 1,518,000 |
| Noninterest expense | 1,339,000 | 2,684,000 | 4,040,000 | 5,395,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,061,000 | 2,101,000 | 3,170,000 | 4,254,000 |
| Income tax | 402,000 | 792,000 | 1,190,000 | 1,589,000 |
| Net income | 659,000 | 1,309,000 | 1,980,000 | 2,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,391,000 | 29,619,000 | 29,959,000 | 30,161,000 |
| Total capital | 30,706,000 | 31,040,000 | 31,318,000 | 31,474,000 |
| Risk-weighted assets | 158,134,000 | 152,223,000 | 149,009,000 | 147,403,000 |