Call reports 2010
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2010
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 188,849,000 | 191,071,000 | 205,645,000 | 205,935,000 |
| Total loans | 128,931,000 | 134,438,000 | 148,665,000 | 137,656,000 |
| Allowance for loan losses | 2,015,000 | 2,111,000 | 2,065,000 | 1,489,000 |
| Securities available for sale | 36,675,000 | 34,214,000 | 36,425,000 | 35,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,435,000 | 159,343,000 | 168,035,000 | 173,725,000 |
| Interest-bearing deposits | 117,924,000 | 121,151,000 | 127,016,000 | 131,830,000 |
| Noninterest-bearing deposits | 39,511,000 | 38,192,000 | 41,019,000 | 41,895,000 |
| Equity capital | 30,965,000 | 30,850,000 | 31,641,000 | 31,440,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,293,000 | 4,522,000 | 6,710,000 | 8,850,000 |
| Interest expense | 451,000 | 811,000 | 1,186,000 | 1,554,000 |
| Net interest income | 1,842,000 | 3,711,000 | 5,524,000 | 7,296,000 |
| Noninterest income | 242,000 | 704,000 | 1,839,000 | 3,838,000 |
| Noninterest expense | 1,393,000 | 3,232,000 | 5,285,000 | 7,988,000 |
| Provision for loan losses | 170,000 | 440,000 | 565,000 | 940,000 |
| Pretax income | 522,000 | 923,000 | 1,693,000 | 2,386,000 |
| Income tax | 148,000 | 334,000 | 499,000 | 671,000 |
| Net income | 374,000 | 589,000 | 1,194,000 | 1,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,724,000 | 30,666,000 | 31,272,000 | 31,447,000 |
| Total capital | 32,394,000 | 32,228,000 | 32,831,000 | 32,947,000 |
| Risk-weighted assets | 132,496,000 | 130,061,000 | 145,653,000 | 167,059,000 |