Call reports 2017
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2017
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 338,093,000 | 354,445,000 | 371,126,000 | 374,301,000 |
| Total loans | 241,388,000 | 254,817,000 | 267,691,000 | 273,281,000 |
| Allowance for loan losses | 2,277,000 | 2,318,000 | 2,174,000 | 2,108,000 |
| Securities available for sale | 65,982,000 | 69,271,000 | 73,121,000 | 71,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,930,000 | 281,486,000 | 284,124,000 | 280,200,000 |
| Interest-bearing deposits | 191,282,000 | 196,571,000 | 200,718,000 | 196,658,000 |
| Noninterest-bearing deposits | 79,648,000 | 84,915,000 | 83,406,000 | 83,542,000 |
| Equity capital | 40,833,000 | 41,921,000 | 43,079,000 | 43,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,136,000 | 6,556,000 | 10,192,000 | 13,869,000 |
| Interest expense | 387,000 | 819,000 | 1,271,000 | 1,762,000 |
| Net interest income | 2,749,000 | 5,737,000 | 8,921,000 | 12,107,000 |
| Noninterest income | 4,243,000 | 11,296,000 | 18,127,000 | 25,159,000 |
| Noninterest expense | 6,795,000 | 15,185,000 | 23,602,000 | 31,217,000 |
| Provision for loan losses | 105,000 | 144,000 | 144,000 | 344,000 |
| Pretax income | 219,000 | 1,831,000 | 3,430,000 | 5,747,000 |
| Income tax | 17,000 | 553,000 | 958,000 | 1,587,000 |
| Net income | 202,000 | 1,278,000 | 2,472,000 | 4,160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,361,000 | 42,032,000 | 43,225,000 | 44,326,000 |
| Total capital | 43,651,000 | 44,391,000 | 45,440,000 | 46,475,000 |
| Risk-weighted assets | 298,157,000 | 279,329,000 | 282,965,000 | 294,819,000 |