Call reports 2024
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2024
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 549,922,000 | 557,339,000 | 549,659,000 | 536,334,000 |
| Total loans | 465,482,000 | 474,611,000 | 463,908,000 | 448,822,000 |
| Allowance for loan losses | 6,763,000 | 6,626,000 | 6,627,000 | 6,623,000 |
| Securities available for sale | 36,463,000 | 35,332,000 | 35,538,000 | 33,892,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 384,014,000 | 385,306,000 | 407,262,000 | 391,251,000 |
| Interest-bearing deposits | 276,563,000 | 278,070,000 | 296,913,000 | 289,335,000 |
| Noninterest-bearing deposits | 107,451,000 | 107,236,000 | 110,349,000 | 101,916,000 |
| Equity capital | 75,738,000 | 77,016,000 | 79,445,000 | 79,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 6,967,000 | 14,309,000 | 21,776,000 | 29,096,000 |
| Interest expense | 2,571,000 | 5,196,000 | 7,910,000 | 10,511,000 |
| Net interest income | 4,396,000 | 9,113,000 | 13,866,000 | 18,585,000 |
| Noninterest income | 4,071,000 | 9,817,000 | 16,059,000 | 21,878,000 |
| Noninterest expense | 6,882,000 | 14,726,000 | 23,225,000 | 31,993,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,585,000 | 4,204,000 | 6,700,000 | 8,470,000 |
| Income tax | 355,000 | 954,000 | 1,526,000 | 1,541,000 |
| Net income | 1,230,000 | 3,250,000 | 5,174,000 | 6,929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,154,000 | 80,309,000 | 81,884,000 | 82,763,000 |
| Total capital | 85,385,000 | 86,724,000 | 88,303,000 | 89,137,000 |
| Risk-weighted assets | 497,917,000 | 512,977,000 | 513,305,000 | 509,698,000 |