Call reports 2023
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2023
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 544,717,000 | 553,532,000 | 547,092,000 | 547,893,000 |
| Total loans | 461,430,000 | 466,724,000 | 459,954,000 | 460,804,000 |
| Allowance for loan losses | 6,731,000 | 6,734,000 | 6,757,000 | 6,761,000 |
| Securities available for sale | 43,808,000 | 41,927,000 | 39,715,000 | 39,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,305,000 | 388,175,000 | 397,979,000 | 388,991,000 |
| Interest-bearing deposits | 268,998,000 | 272,983,000 | 279,109,000 | 277,990,000 |
| Noninterest-bearing deposits | 114,307,000 | 115,192,000 | 118,870,000 | 111,001,000 |
| Equity capital | 71,574,000 | 72,139,000 | 72,928,000 | 75,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,229,000 | 12,760,000 | 19,629,000 | 26,608,000 |
| Interest expense | 1,708,000 | 3,928,000 | 6,136,000 | 8,428,000 |
| Net interest income | 4,521,000 | 8,832,000 | 13,493,000 | 18,180,000 |
| Noninterest income | 3,977,000 | 10,040,000 | 15,556,000 | 19,846,000 |
| Noninterest expense | 7,480,000 | 15,798,000 | 23,698,000 | 30,693,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,018,000 | 3,075,000 | 5,352,000 | 7,335,000 |
| Income tax | 215,000 | 678,000 | 1,193,000 | 1,444,000 |
| Net income | 803,000 | 2,397,000 | 4,159,000 | 5,891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,310,000 | 76,051,000 | 77,313,000 | 78,424,000 |
| Total capital | 80,783,000 | 81,914,000 | 83,323,000 | 84,543,000 |
| Risk-weighted assets | 436,615,000 | 468,157,000 | 480,023,000 | 488,850,000 |
Machine access — free, no API key
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