Call reports 2015
BEARDSTOWN SAVINGS, S.B. — 2015
What BEARDSTOWN SAVINGS, S.B. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 44,397,000 | 44,969,000 | 45,508,000 | 45,855,000 |
| Total loans | 28,491,000 | 28,692,000 | 28,937,000 | 29,654,000 |
| Allowance for loan losses | 347,000 | 371,000 | 372,000 | 372,000 |
| Securities available for sale | 9,765,000 | 11,832,000 | 11,625,000 | 10,827,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,333,000 | 34,900,000 | 33,837,000 | 34,196,000 |
| Interest-bearing deposits | 34,838,000 | 34,405,000 | 33,252,000 | 33,738,000 |
| Noninterest-bearing deposits | 495,000 | 495,000 | 585,000 | 458,000 |
| Equity capital | 5,211,000 | 5,199,000 | 5,241,000 | 5,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 477,000 | 949,000 | 1,452,000 | 1,944,000 |
| Interest expense | 75,000 | 151,000 | 227,000 | 304,000 |
| Net interest income | 402,000 | 798,000 | 1,225,000 | 1,640,000 |
| Noninterest income | 13,000 | 43,000 | 66,000 | 64,000 |
| Noninterest expense | 366,000 | 735,000 | 1,100,000 | 1,488,000 |
| Provision for loan losses | 11,000 | 29,000 | 77,000 | 93,000 |
| Pretax income | 43,000 | 82,000 | 116,000 | 129,000 |
| Income tax | 12,000 | 22,000 | 41,000 | 36,000 |
| Net income | 31,000 | 60,000 | 75,000 | 93,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,979,000 | 4,989,000 | 5,020,000 | 5,033,000 |
| Total capital | 5,273,000 | 5,286,000 | 5,322,000 | 5,329,000 |
| Risk-weighted assets | 23,519,000 | 23,712,000 | 24,050,000 | 23,605,000 |