Call reports 2025
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2025
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 542,640,000 | 551,726,000 | 551,613,000 | 560,266,000 |
| Total loans | 447,794,000 | 443,116,000 | 435,641,000 | 444,185,000 |
| Allowance for loan losses | 6,624,000 | 6,627,000 | 6,629,000 | 6,631,000 |
| Securities available for sale | 32,644,000 | 33,276,000 | 33,293,000 | 32,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 400,215,000 | 407,413,000 | 407,111,000 | 423,218,000 |
| Interest-bearing deposits | 291,048,000 | 294,021,000 | 286,835,000 | 304,804,000 |
| Noninterest-bearing deposits | 109,167,000 | 113,392,000 | 120,276,000 | 118,414,000 |
| Equity capital | 81,062,000 | 82,170,000 | 84,405,000 | 86,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,991,000 | 14,302,000 | 21,791,000 | 29,550,000 |
| Interest expense | 2,498,000 | 4,993,000 | 7,485,000 | 10,035,000 |
| Net interest income | 4,493,000 | 9,309,000 | 14,306,000 | 19,515,000 |
| Noninterest income | 4,186,000 | 10,799,000 | 17,159,000 | 24,064,000 |
| Noninterest expense | 7,399,000 | 16,279,000 | 24,879,000 | 34,124,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,280,000 | 3,690,000 | 6,447,000 | 9,316,000 |
| Income tax | 285,000 | 834,000 | 1,464,000 | 2,125,000 |
| Net income | 995,000 | 2,856,000 | 4,983,000 | 7,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,758,000 | 84,729,000 | 86,356,000 | 87,915,000 |
| Total capital | 90,291,000 | 91,358,000 | 92,980,000 | 94,587,000 |
| Risk-weighted assets | 522,568,000 | 530,341,000 | 529,911,000 | 536,193,000 |