Call reports 2018
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2018
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 358,296,000 | 383,509,000 | 365,891,000 | 353,041,000 |
| Total loans | 261,597,000 | 293,307,000 | 282,660,000 | 267,120,000 |
| Allowance for loan losses | 2,094,000 | 2,414,000 | 2,493,000 | 2,495,000 |
| Securities available for sale | 67,825,000 | 59,807,000 | 56,925,000 | 58,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,614,000 | 289,399,000 | 289,857,000 | 283,572,000 |
| Interest-bearing deposits | 206,793,000 | 211,056,000 | 213,512,000 | 206,423,000 |
| Noninterest-bearing deposits | 73,821,000 | 78,343,000 | 76,345,000 | 77,149,000 |
| Equity capital | 43,622,000 | 44,421,000 | 45,284,000 | 46,601,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,674,000 | 7,783,000 | 11,837,000 | 15,807,000 |
| Interest expense | 528,000 | 1,146,000 | 1,767,000 | 2,316,000 |
| Net interest income | 3,146,000 | 6,637,000 | 10,070,000 | 13,491,000 |
| Noninterest income | 5,080,000 | 12,177,000 | 18,402,000 | 23,048,000 |
| Noninterest expense | 7,389,000 | 16,119,000 | 24,097,000 | 30,654,000 |
| Provision for loan losses | 0 | 144,000 | 216,000 | 216,000 |
| Pretax income | 837,000 | 2,346,000 | 3,955,000 | 5,458,000 |
| Income tax | 172,000 | 510,000 | 876,000 | 1,062,000 |
| Net income | 665,000 | 1,836,000 | 3,079,000 | 4,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,691,000 | 45,424,000 | 46,492,000 | 47,373,000 |
| Total capital | 46,826,000 | 47,879,000 | 49,026,000 | 49,909,000 |
| Risk-weighted assets | 283,526,000 | 298,220,000 | 303,238,000 | 305,097,000 |