Call reports 2013
BEARDSTOWN SAVINGS, S.B. — 2013
What BEARDSTOWN SAVINGS, S.B. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 45,006,000 | 44,693,000 | 43,685,000 | 43,880,000 |
| Total loans | 26,953,000 | 27,491,000 | 27,508,000 | 27,640,000 |
| Allowance for loan losses | 424,000 | 447,000 | 436,000 | 442,000 |
| Securities available for sale | 13,004,000 | 12,667,000 | 12,109,000 | 11,919,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,499,000 | 37,286,000 | 35,851,000 | 35,027,000 |
| Interest-bearing deposits | 38,011,000 | 36,604,000 | 35,527,000 | 34,662,000 |
| Noninterest-bearing deposits | 488,000 | 682,000 | 324,000 | 365,000 |
| Equity capital | 4,642,000 | 4,528,000 | 4,499,000 | 4,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 469,000 | 947,000 | 1,425,000 | 1,917,000 |
| Interest expense | 95,000 | 182,000 | 262,000 | 337,000 |
| Net interest income | 374,000 | 765,000 | 1,163,000 | 1,580,000 |
| Noninterest income | 40,000 | 50,000 | 78,000 | 77,000 |
| Noninterest expense | 376,000 | 722,000 | 1,081,000 | 1,489,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 82,000 |
| Pretax income | 89,000 | 198,000 | 240,000 | 241,000 |
| Income tax | 36,000 | 73,000 | 71,000 | 15,000 |
| Net income | 53,000 | 125,000 | 169,000 | 226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,509,000 | 4,584,000 | 4,629,000 | 4,687,000 |
| Total capital | 4,799,000 | 4,874,000 | 4,918,000 | 4,978,000 |
| Risk-weighted assets | 23,068,000 | 23,007,000 | 22,992,000 | 23,153,000 |