Call reports 2014
BEARDSTOWN SAVINGS, S.B. — 2014
What BEARDSTOWN SAVINGS, S.B. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 45,111,000 | 45,652,000 | 44,723,000 | 44,021,000 |
| Total loans | 27,555,000 | 27,891,000 | 28,498,000 | 28,872,000 |
| Allowance for loan losses | 431,000 | 419,000 | 439,000 | 455,000 |
| Securities available for sale | 12,965,000 | 12,551,000 | 11,670,000 | 10,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,073,000 | 36,994,000 | 34,987,000 | 34,513,000 |
| Interest-bearing deposits | 36,607,000 | 36,394,000 | 34,724,000 | 34,107,000 |
| Noninterest-bearing deposits | 466,000 | 600,000 | 263,000 | 406,000 |
| Equity capital | 4,715,000 | 4,789,000 | 5,152,000 | 5,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 485,000 | 970,000 | 1,470,000 | 1,941,000 |
| Interest expense | 68,000 | 141,000 | 220,000 | 297,000 |
| Net interest income | 417,000 | 829,000 | 1,250,000 | 1,644,000 |
| Noninterest income | 24,000 | 50,000 | 90,000 | 113,000 |
| Noninterest expense | 338,000 | 701,000 | 1,057,000 | 1,480,000 |
| Provision for loan losses | 8,000 | 15,000 | 45,000 | 66,000 |
| Pretax income | 98,000 | 171,000 | 238,000 | 231,000 |
| Income tax | 36,000 | 52,000 | -207,000 | -186,000 |
| Net income | 62,000 | 119,000 | 445,000 | 417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,752,000 | 4,810,000 | 5,138,000 | 5,111,000 |
| Total capital | 5,044,000 | 5,105,000 | 5,435,000 | 5,407,000 |
| Risk-weighted assets | 23,197,000 | 23,497,000 | 23,579,000 | 23,512,000 |