Call reports 2020
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2020
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 402,375,000 | 458,477,000 | 452,044,000 | 489,510,000 |
| Total loans | 321,428,000 | 378,340,000 | 382,537,000 | 422,376,000 |
| Allowance for loan losses | 3,151,000 | 3,432,000 | 4,433,000 | 6,686,000 |
| Securities available for sale | 49,114,000 | 36,832,000 | 34,189,000 | 35,199,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,227,000 | 360,384,000 | 368,295,000 | 365,879,000 |
| Interest-bearing deposits | 218,682,000 | 250,779,000 | 250,220,000 | 253,358,000 |
| Noninterest-bearing deposits | 88,545,000 | 109,605,000 | 118,075,000 | 112,521,000 |
| Equity capital | 52,073,000 | 54,757,000 | 60,300,000 | 63,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,900,000 | 7,977,000 | 11,913,000 | 16,330,000 |
| Interest expense | 743,000 | 1,828,000 | 2,460,000 | 3,000,000 |
| Net interest income | 3,157,000 | 6,149,000 | 9,453,000 | 13,330,000 |
| Noninterest income | 7,736,000 | 22,836,000 | 43,535,000 | 65,245,000 |
| Noninterest expense | 9,323,000 | 23,222,000 | 38,812,000 | 56,113,000 |
| Provision for loan losses | 275,000 | 550,000 | 1,550,000 | 3,800,000 |
| Pretax income | 1,296,000 | 5,291,000 | 12,704,000 | 18,741,000 |
| Income tax | 322,000 | 1,204,000 | 2,949,000 | 4,362,000 |
| Net income | 974,000 | 4,087,000 | 9,755,000 | 14,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,511,000 | 54,494,000 | 59,863,000 | 63,278,000 |
| Total capital | 55,703,000 | 57,967,000 | 64,337,000 | 69,167,000 |
| Risk-weighted assets | 351,961,000 | 359,238,000 | 376,398,000 | 470,309,000 |