Call reports 2009
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2009
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 182,446,000 | 183,192,000 | 184,430,000 | 186,823,000 |
| Total loans | 143,687,000 | 137,683,000 | 132,308,000 | 128,505,000 |
| Allowance for loan losses | 2,186,000 | 2,107,000 | 1,870,000 | 1,974,000 |
| Securities available for sale | 16,552,000 | 20,142,000 | 26,603,000 | 34,260,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,498,000 | 141,510,000 | 142,289,000 | 146,682,000 |
| Interest-bearing deposits | 104,890,000 | 106,573,000 | 107,044,000 | 106,320,000 |
| Noninterest-bearing deposits | 36,608,000 | 34,937,000 | 35,245,000 | 40,362,000 |
| Equity capital | 30,008,000 | 29,995,000 | 30,559,000 | 30,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,422,000 | 4,791,000 | 7,094,000 | 9,407,000 |
| Interest expense | 596,000 | 1,122,000 | 1,623,000 | 2,093,000 |
| Net interest income | 1,826,000 | 3,669,000 | 5,471,000 | 7,314,000 |
| Noninterest income | 370,000 | 601,000 | 932,000 | 1,291,000 |
| Noninterest expense | 1,257,000 | 2,813,000 | 4,308,000 | 5,886,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 924,000 |
| Pretax income | 730,000 | 1,023,000 | 1,436,000 | 1,959,000 |
| Income tax | 238,000 | 313,000 | 427,000 | 575,000 |
| Net income | 492,000 | 710,000 | 1,009,000 | 1,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,880,000 | 29,907,000 | 30,176,000 | 30,350,000 |
| Total capital | 31,646,000 | 31,637,000 | 31,801,000 | 32,002,000 |
| Risk-weighted assets | 140,174,000 | 137,218,000 | 134,190,000 | 131,063,000 |
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