Call reports 2012
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2012
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 227,833,000 | 244,323,000 | 262,971,000 | 266,761,000 |
| Total loans | 144,376,000 | 157,197,000 | 189,522,000 | 199,058,000 |
| Allowance for loan losses | 1,281,000 | 1,536,000 | 1,666,000 | 1,745,000 |
| Securities available for sale | 60,044,000 | 63,586,000 | 48,260,000 | 41,755,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,152,000 | 200,679,000 | 203,178,000 | 207,785,000 |
| Interest-bearing deposits | 148,070,000 | 152,311,000 | 155,474,000 | 159,207,000 |
| Noninterest-bearing deposits | 43,082,000 | 48,368,000 | 47,704,000 | 48,578,000 |
| Equity capital | 32,300,000 | 32,512,000 | 33,047,000 | 33,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,335,000 | 4,709,000 | 7,146,000 | 9,782,000 |
| Interest expense | 298,000 | 598,000 | 903,000 | 1,211,000 |
| Net interest income | 2,037,000 | 4,111,000 | 6,243,000 | 8,571,000 |
| Noninterest income | 2,253,000 | 4,921,000 | 8,925,000 | 14,142,000 |
| Noninterest expense | 3,393,000 | 7,491,000 | 12,929,000 | 19,370,000 |
| Provision for loan losses | 183,000 | 366,000 | 488,000 | 488,000 |
| Pretax income | 762,000 | 1,237,000 | 2,060,000 | 3,415,000 |
| Income tax | 233,000 | 347,000 | 560,000 | 1,000,000 |
| Net income | 529,000 | 890,000 | 1,500,000 | 2,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,615,000 | 31,638,000 | 32,031,000 | 32,425,000 |
| Total capital | 32,907,000 | 33,186,000 | 33,708,000 | 34,182,000 |
| Risk-weighted assets | 168,117,000 | 180,015,000 | 204,360,000 | 250,605,000 |