Call reports 2016
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2016
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 333,362,000 | 354,555,000 | 365,467,000 | 362,957,000 |
| Total loans | 227,276,000 | 257,424,000 | 266,677,000 | 260,841,000 |
| Allowance for loan losses | 2,234,000 | 2,329,000 | 2,464,000 | 2,170,000 |
| Securities available for sale | 74,403,000 | 62,028,000 | 62,367,000 | 66,852,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,364,000 | 256,511,000 | 268,318,000 | 266,280,000 |
| Interest-bearing deposits | 166,486,000 | 172,427,000 | 183,663,000 | 189,112,000 |
| Noninterest-bearing deposits | 82,878,000 | 84,084,000 | 84,655,000 | 77,168,000 |
| Equity capital | 39,032,000 | 39,949,000 | 41,486,000 | 40,711,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,078,000 | 6,288,000 | 9,597,000 | 12,989,000 |
| Interest expense | 323,000 | 682,000 | 1,067,000 | 1,462,000 |
| Net interest income | 2,755,000 | 5,606,000 | 8,530,000 | 11,527,000 |
| Noninterest income | 4,745,000 | 12,618,000 | 21,004,000 | 27,655,000 |
| Noninterest expense | 6,810,000 | 15,526,000 | 24,309,000 | 33,222,000 |
| Provision for loan losses | 252,000 | 345,000 | 487,000 | 628,000 |
| Pretax income | 605,000 | 2,515,000 | 4,901,000 | 5,495,000 |
| Income tax | 160,000 | 805,000 | 1,620,000 | 1,775,000 |
| Net income | 445,000 | 1,710,000 | 3,281,000 | 3,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,906,000 | 39,624,000 | 41,195,000 | 41,229,000 |
| Total capital | 41,151,000 | 41,964,000 | 43,672,000 | 43,412,000 |
| Risk-weighted assets | 257,378,000 | 279,901,000 | 300,334,000 | 323,386,000 |