Call reports 2011
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2011
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 206,832,000 | 208,541,000 | 217,569,000 | 217,217,000 |
| Total loans | 130,117,000 | 133,654,000 | 141,603,000 | 136,693,000 |
| Allowance for loan losses | 1,744,000 | 2,519,000 | 2,650,000 | 1,131,000 |
| Securities available for sale | 43,703,000 | 50,822,000 | 51,164,000 | 54,204,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,830,000 | 176,317,000 | 179,328,000 | 184,476,000 |
| Interest-bearing deposits | 134,297,000 | 134,272,000 | 136,435,000 | 141,163,000 |
| Noninterest-bearing deposits | 40,533,000 | 42,045,000 | 42,893,000 | 43,313,000 |
| Equity capital | 31,377,000 | 31,221,000 | 32,043,000 | 31,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,168,000 | 4,433,000 | 6,690,000 | 8,844,000 |
| Interest expense | 335,000 | 648,000 | 958,000 | 1,262,000 |
| Net interest income | 1,833,000 | 3,785,000 | 5,732,000 | 7,582,000 |
| Noninterest income | 723,000 | 1,615,000 | 3,424,000 | 5,047,000 |
| Noninterest expense | 2,354,000 | 4,591,000 | 7,757,000 | 10,893,000 |
| Provision for loan losses | 250,000 | 1,086,000 | 1,204,000 | 1,326,000 |
| Pretax income | 70,000 | -144,000 | 358,000 | 657,000 |
| Income tax | 0 | 0 | -73,000 | 157,000 |
| Net income | 70,000 | -144,000 | 431,000 | 500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,290,000 | 30,802,000 | 31,309,000 | 31,085,000 |
| Total capital | 33,044,000 | 32,657,000 | 33,337,000 | 32,227,000 |
| Risk-weighted assets | 164,322,000 | 146,935,000 | 160,832,000 | 169,672,000 |