Call reports 2014
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2014
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 266,818,000 | 292,914,000 | 290,369,000 | 295,627,000 |
| Total loans | 156,559,000 | 187,103,000 | 183,250,000 | 182,134,000 |
| Allowance for loan losses | 1,838,000 | 1,793,000 | 1,814,000 | 1,971,000 |
| Securities available for sale | 80,439,000 | 77,034,000 | 78,544,000 | 86,637,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,132,000 | 235,061,000 | 236,469,000 | 229,172,000 |
| Interest-bearing deposits | 176,047,000 | 180,615,000 | 178,740,000 | 173,146,000 |
| Noninterest-bearing deposits | 53,085,000 | 54,446,000 | 57,729,000 | 56,026,000 |
| Equity capital | 33,212,000 | 34,139,000 | 35,133,000 | 35,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,530,000 | 5,204,000 | 8,047,000 | 10,769,000 |
| Interest expense | 288,000 | 584,000 | 895,000 | 1,189,000 |
| Net interest income | 2,242,000 | 4,620,000 | 7,152,000 | 9,580,000 |
| Noninterest income | 2,943,000 | 7,817,000 | 12,836,000 | 17,897,000 |
| Noninterest expense | 5,368,000 | 11,374,000 | 17,427,000 | 23,369,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 226,000 |
| Pretax income | 123,000 | 1,354,000 | 2,792,000 | 4,035,000 |
| Income tax | -38,000 | 346,000 | 814,000 | 1,173,000 |
| Net income | 161,000 | 1,008,000 | 1,978,000 | 2,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,674,000 | 34,161,000 | 35,131,000 | 34,248,000 |
| Total capital | 35,523,000 | 35,965,000 | 36,955,000 | 36,230,000 |
| Risk-weighted assets | 197,683,000 | 233,466,000 | 214,265,000 | 239,067,000 |