Call reports 2016
BEARDSTOWN SAVINGS, S.B. — 2016
What BEARDSTOWN SAVINGS, S.B. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 46,669,000 | 48,465,000 | 48,682,000 | 49,453,000 |
| Total loans | 30,012,000 | 30,406,000 | 31,069,000 | 32,083,000 |
| Allowance for loan losses | 387,000 | 382,000 | 394,000 | 367,000 |
| Securities available for sale | 12,515,000 | 13,533,000 | 12,761,000 | 11,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,955,000 | 37,120,000 | 37,343,000 | 38,298,000 |
| Interest-bearing deposits | 34,182,000 | 36,495,000 | 36,834,000 | 37,696,000 |
| Noninterest-bearing deposits | 773,000 | 625,000 | 509,000 | 602,000 |
| Equity capital | 5,300,000 | 5,414,000 | 5,430,000 | 5,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 505,000 | 1,007,000 | 1,516,000 | 2,016,000 |
| Interest expense | 76,000 | 163,000 | 252,000 | 345,000 |
| Net interest income | 429,000 | 844,000 | 1,264,000 | 1,671,000 |
| Noninterest income | 19,000 | 35,000 | 59,000 | 64,000 |
| Noninterest expense | 365,000 | 745,000 | 1,141,000 | 1,530,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 51,000 |
| Pretax income | 67,000 | 126,000 | 181,000 | 299,000 |
| Income tax | 20,000 | 37,000 | 51,000 | 62,000 |
| Net income | 47,000 | 89,000 | 130,000 | 237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,084,000 | 5,164,000 | 5,194,000 | 5,267,000 |
| Total capital | 5,384,000 | 5,468,000 | 5,506,000 | 5,593,000 |
| Risk-weighted assets | 23,907,000 | 24,237,000 | 24,861,000 | 25,981,000 |