Call reports 2015
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2015
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 315,353,000 | 331,906,000 | 315,463,000 | 334,477,000 |
| Total loans | 191,694,000 | 217,078,000 | 201,427,000 | 218,616,000 |
| Allowance for loan losses | 2,092,000 | 2,137,000 | 2,285,000 | 2,281,000 |
| Securities available for sale | 90,579,000 | 82,089,000 | 81,258,000 | 84,787,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,155,000 | 231,120,000 | 238,681,000 | 234,488,000 |
| Interest-bearing deposits | 172,310,000 | 165,007,000 | 164,232,000 | 164,368,000 |
| Noninterest-bearing deposits | 65,845,000 | 66,113,000 | 74,449,000 | 70,120,000 |
| Equity capital | 36,967,000 | 37,258,000 | 38,166,000 | 38,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,702,000 | 5,557,000 | 8,490,000 | 11,376,000 |
| Interest expense | 287,000 | 578,000 | 863,000 | 1,158,000 |
| Net interest income | 2,415,000 | 4,979,000 | 7,627,000 | 10,218,000 |
| Noninterest income | 6,086,000 | 13,428,000 | 19,646,000 | 23,612,000 |
| Noninterest expense | 7,036,000 | 15,161,000 | 22,794,000 | 28,544,000 |
| Provision for loan losses | 118,000 | 194,000 | 339,000 | 339,000 |
| Pretax income | 1,364,000 | 3,131,000 | 4,193,000 | 5,084,000 |
| Income tax | 431,000 | 1,031,000 | 1,376,000 | 1,497,000 |
| Net income | 933,000 | 2,100,000 | 2,817,000 | 3,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,596,000 | 37,342,000 | 38,059,000 | 38,460,000 |
| Total capital | 38,698,000 | 39,490,000 | 40,355,000 | 40,752,000 |
| Risk-weighted assets | 241,596,000 | 256,904,000 | 244,381,000 | 255,077,000 |