Call reports 2019
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2019
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 372,227,000 | 401,538,000 | 391,484,000 | 383,892,000 |
| Total loans | 285,651,000 | 316,061,000 | 311,935,000 | 291,082,000 |
| Allowance for loan losses | 2,497,000 | 2,557,000 | 2,640,000 | 2,908,000 |
| Securities available for sale | 56,547,000 | 53,240,000 | 47,361,000 | 48,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,731,000 | 287,269,000 | 318,153,000 | 309,387,000 |
| Interest-bearing deposits | 197,024,000 | 202,832,000 | 224,983,000 | 222,720,000 |
| Noninterest-bearing deposits | 80,707,000 | 84,437,000 | 93,170,000 | 86,667,000 |
| Equity capital | 47,988,000 | 49,681,000 | 52,043,000 | 52,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,067,000 | 8,244,000 | 12,616,000 | 16,688,000 |
| Interest expense | 685,000 | 1,530,000 | 2,406,000 | 3,182,000 |
| Net interest income | 3,382,000 | 6,714,000 | 10,210,000 | 13,506,000 |
| Noninterest income | 4,605,000 | 12,030,000 | 21,574,000 | 30,774,000 |
| Noninterest expense | 6,798,000 | 15,535,000 | 25,360,000 | 35,480,000 |
| Provision for loan losses | 0 | 66,000 | 99,000 | 365,000 |
| Pretax income | 1,157,000 | 3,088,000 | 6,264,000 | 8,375,000 |
| Income tax | 254,000 | 698,000 | 1,453,000 | 1,945,000 |
| Net income | 903,000 | 2,390,000 | 4,811,000 | 6,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,276,000 | 49,307,000 | 51,514,000 | 52,588,000 |
| Total capital | 50,814,000 | 51,905,000 | 54,195,000 | 55,537,000 |
| Risk-weighted assets | 299,838,000 | 311,123,000 | 318,946,000 | 325,955,000 |