Call reports 2021
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2021
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 470,574,000 | 462,945,000 | 467,725,000 | 465,517,000 |
| Total loans | 339,559,000 | 295,563,000 | 291,202,000 | 265,295,000 |
| Allowance for loan losses | 6,687,000 | 6,687,000 | 6,722,000 | 6,723,000 |
| Securities available for sale | 35,578,000 | 45,041,000 | 53,552,000 | 54,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 392,667,000 | 384,096,000 | 389,558,000 | 387,673,000 |
| Interest-bearing deposits | 264,954,000 | 262,087,000 | 260,062,000 | 270,255,000 |
| Noninterest-bearing deposits | 127,713,000 | 122,009,000 | 129,496,000 | 117,418,000 |
| Equity capital | 67,656,000 | 70,322,000 | 72,417,000 | 72,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,024,000 | 8,257,000 | 12,340,000 | 15,635,000 |
| Interest expense | 442,000 | 855,000 | 1,197,000 | 1,497,000 |
| Net interest income | 3,582,000 | 7,402,000 | 11,143,000 | 14,138,000 |
| Noninterest income | 17,566,000 | 31,174,000 | 43,622,000 | 53,269,000 |
| Noninterest expense | 15,078,000 | 28,402,000 | 41,187,000 | 52,463,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 6,070,000 | 10,174,000 | 13,579,000 | 14,945,000 |
| Income tax | 1,423,000 | 2,389,000 | 3,169,000 | 3,466,000 |
| Net income | 4,647,000 | 7,785,000 | 10,410,000 | 11,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,255,000 | 69,797,000 | 71,923,000 | 72,124,000 |
| Total capital | 71,500,000 | 74,152,000 | 76,534,000 | 76,590,000 |
| Risk-weighted assets | 337,158,000 | 346,062,000 | 366,752,000 | 354,992,000 |