Call reports 2011
BEARDSTOWN SAVINGS, S.B. — 2011
What BEARDSTOWN SAVINGS, S.B. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 44,866,000 | 44,741,000 | 43,795,000 | 43,471,000 |
| Total loans | 27,088,000 | 26,771,000 | 26,822,000 | 26,957,000 |
| Allowance for loan losses | 470,000 | 532,000 | 528,000 | 533,000 |
| Securities available for sale | 12,432,000 | 14,009,000 | 12,212,000 | 12,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,359,000 | 40,119,000 | 39,019,000 | 38,810,000 |
| Interest-bearing deposits | 40,066,000 | 39,907,000 | 38,841,000 | 38,560,000 |
| Noninterest-bearing deposits | 293,000 | 212,000 | 178,000 | 250,000 |
| Equity capital | 4,130,000 | 4,261,000 | 4,368,000 | 4,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 535,000 | 1,070,000 | 1,592,000 | 2,118,000 |
| Interest expense | 185,000 | 353,000 | 511,000 | 655,000 |
| Net interest income | 350,000 | 717,000 | 1,081,000 | 1,463,000 |
| Noninterest income | 44,000 | 99,000 | 125,000 | 156,000 |
| Noninterest expense | 353,000 | 676,000 | 1,038,000 | 1,402,000 |
| Provision for loan losses | 7,000 | 76,000 | 76,000 | 107,000 |
| Pretax income | 93,000 | 141,000 | 198,000 | 218,000 |
| Income tax | 0 | 3,000 | 3,000 | 3,000 |
| Net income | 93,000 | 138,000 | 195,000 | 215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,080,000 | 4,127,000 | 4,186,000 | 4,207,000 |
| Total capital | 4,363,000 | 4,400,000 | 4,463,000 | 4,481,000 |
| Risk-weighted assets | 22,391,000 | 21,698,000 | 21,891,000 | 21,683,000 |