Call reports 2013
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2013
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 255,065,000 | 291,614,000 | 263,479,000 | 260,398,000 |
| Total loans | 176,596,000 | 212,527,000 | 174,673,000 | 161,121,000 |
| Allowance for loan losses | 1,764,000 | 1,790,000 | 1,854,000 | 1,855,000 |
| Securities available for sale | 43,723,000 | 49,669,000 | 58,064,000 | 72,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,796,000 | 224,573,000 | 225,331,000 | 222,899,000 |
| Interest-bearing deposits | 166,347,000 | 170,752,000 | 171,327,000 | 172,681,000 |
| Noninterest-bearing deposits | 50,449,000 | 53,821,000 | 54,004,000 | 50,218,000 |
| Equity capital | 33,060,000 | 32,606,000 | 32,666,000 | 33,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,483,000 | 5,146,000 | 7,815,000 | 10,468,000 |
| Interest expense | 290,000 | 590,000 | 901,000 | 1,198,000 |
| Net interest income | 2,193,000 | 4,556,000 | 6,914,000 | 9,270,000 |
| Noninterest income | 4,037,000 | 9,585,000 | 14,304,000 | 17,772,000 |
| Noninterest expense | 6,236,000 | 13,278,000 | 19,929,000 | 24,728,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 157,000 | 1,026,000 | 1,444,000 | 2,469,000 |
| Income tax | 7,000 | 261,000 | 343,000 | 639,000 |
| Net income | 150,000 | 765,000 | 1,101,000 | 1,830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,575,000 | 32,881,000 | 33,218,000 | 33,638,000 |
| Total capital | 34,350,000 | 34,478,000 | 35,083,000 | 35,504,000 |
| Risk-weighted assets | 251,512,000 | 199,111,000 | 211,519,000 | 212,196,000 |
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