Call reports 2008
FIRST MISSOURI STATE BANK OF CAPE COUNTY — 2008
What FIRST MISSOURI STATE BANK OF CAPE COUNTY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 83,843,000 | 85,901,000 | 92,554,000 | 96,961,000 |
| Total loans | 77,866,000 | 78,493,000 | 85,496,000 | 89,680,000 |
| Allowance for loan losses | 878,000 | 906,000 | 933,000 | 1,026,000 |
| Securities available for sale | 2,918,000 | 2,675,000 | 3,604,000 | 3,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,957,000 | 71,952,000 | 69,727,000 | 73,971,000 |
| Interest-bearing deposits | 61,584,000 | 64,617,000 | 62,507,000 | 65,624,000 |
| Noninterest-bearing deposits | 6,373,000 | 7,335,000 | 7,220,000 | 8,347,000 |
| Equity capital | 6,774,000 | 6,808,000 | 7,459,000 | 7,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,360,000 | 2,639,000 | 3,969,000 | 5,341,000 |
| Interest expense | 698,000 | 1,275,000 | 1,826,000 | 2,350,000 |
| Net interest income | 662,000 | 1,364,000 | 2,143,000 | 2,991,000 |
| Noninterest income | 78,000 | 170,000 | 242,000 | 313,000 |
| Noninterest expense | 599,000 | 1,208,000 | 1,833,000 | 2,406,000 |
| Provision for loan losses | 70,000 | 115,000 | 150,000 | 255,000 |
| Pretax income | 91,000 | 231,000 | 422,000 | 663,000 |
| Income tax | 35,000 | 88,000 | 163,000 | 256,000 |
| Net income | 56,000 | 143,000 | 259,000 | 407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,712,000 | 6,799,000 | 7,415,000 | 7,563,000 |
| Total capital | 7,590,000 | 7,680,000 | 8,348,000 | 8,567,000 |
| Risk-weighted assets | 70,739,000 | 70,427,000 | 76,789,000 | 80,264,000 |