Call reports 2012
FIRST MISSOURI STATE BANK OF CAPE COUNTY — 2012
What FIRST MISSOURI STATE BANK OF CAPE COUNTY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 120,144,000 | 117,007,000 | 118,580,000 | 120,171,000 |
| Total loans | 97,899,000 | 98,825,000 | 102,706,000 | 102,501,000 |
| Allowance for loan losses | 1,738,000 | 1,647,000 | 1,555,000 | 1,580,000 |
| Securities available for sale | 7,967,000 | 9,303,000 | 9,575,000 | 9,127,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,825,000 | 99,122,000 | 99,535,000 | 99,952,000 |
| Interest-bearing deposits | 89,885,000 | 87,587,000 | 87,624,000 | 87,366,000 |
| Noninterest-bearing deposits | 11,940,000 | 11,535,000 | 11,911,000 | 12,586,000 |
| Equity capital | 10,360,000 | 10,543,000 | 10,779,000 | 10,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,404,000 | 2,719,000 | 4,091,000 | 5,463,000 |
| Interest expense | 243,000 | 466,000 | 679,000 | 880,000 |
| Net interest income | 1,161,000 | 2,253,000 | 3,412,000 | 4,583,000 |
| Noninterest income | 158,000 | 311,000 | 489,000 | 633,000 |
| Noninterest expense | 735,000 | 1,470,000 | 2,226,000 | 2,980,000 |
| Provision for loan losses | 80,000 | 120,000 | 180,000 | 250,000 |
| Pretax income | 624,000 | 1,094,000 | 1,615,000 | 2,106,000 |
| Income tax | 230,000 | 399,000 | 583,000 | 761,000 |
| Net income | 394,000 | 695,000 | 1,032,000 | 1,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,228,000 | 10,366,000 | 10,541,000 | 10,567,000 |
| Total capital | 11,344,000 | 11,500,000 | 11,711,000 | 11,743,000 |
| Risk-weighted assets | 88,681,000 | 90,226,000 | 93,175,000 | 93,685,000 |