Call reports 2012
BEARDSTOWN SAVINGS, S.B. — 2012
What BEARDSTOWN SAVINGS, S.B. 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 | 45,142,000 | 44,889,000 | 44,802,000 | 45,140,000 |
| Total loans | 27,314,000 | 27,002,000 | 27,481,000 | 27,045,000 |
| Allowance for loan losses | 533,000 | 483,000 | 485,000 | 431,000 |
| Securities available for sale | 13,117,000 | 13,702,000 | 12,840,000 | 13,254,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,379,000 | 39,577,000 | 37,831,000 | 37,677,000 |
| Interest-bearing deposits | 39,934,000 | 39,129,000 | 37,472,000 | 37,001,000 |
| Noninterest-bearing deposits | 445,000 | 448,000 | 358,000 | 676,000 |
| Equity capital | 4,429,000 | 4,473,000 | 4,562,000 | 4,585,000 |
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 | 522,000 | 1,044,000 | 1,529,000 | 2,018,000 |
| Interest expense | 125,000 | 244,000 | 356,000 | 459,000 |
| Net interest income | 397,000 | 800,000 | 1,173,000 | 1,559,000 |
| Noninterest income | -2,000 | 19,000 | 2,000 | 48,000 |
| Noninterest expense | 332,000 | 691,000 | 1,016,000 | 1,392,000 |
| Provision for loan losses | 6,000 | 35,000 | 35,000 | 77,000 |
| Pretax income | 97,000 | 161,000 | 213,000 | 252,000 |
| Income tax | 0 | 15,000 | 18,000 | 12,000 |
| Net income | 97,000 | 146,000 | 195,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,307,000 | 4,358,000 | 4,408,000 | 4,454,000 |
| Total capital | 4,596,000 | 4,645,000 | 4,699,000 | 4,754,000 |
| Risk-weighted assets | 22,894,000 | 22,788,000 | 23,071,000 | 23,831,000 |