Call reports 2019
BEARDSTOWN SAVINGS, S.B. — 2019
What BEARDSTOWN SAVINGS, S.B. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 53,376,000 | 52,352,000 | 52,129,000 | 53,855,000 |
| Total loans | 37,911,000 | 36,740,000 | 38,378,000 | 40,825,000 |
| Allowance for loan losses | 350,000 | 327,000 | 340,000 | 364,000 |
| Securities available for sale | 9,488,000 | 9,783,000 | 9,468,000 | 9,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,319,000 | 41,735,000 | 39,119,000 | 38,481,000 |
| Interest-bearing deposits | 40,399,000 | 41,028,000 | 38,429,000 | 37,700,000 |
| Noninterest-bearing deposits | 920,000 | 707,000 | 690,000 | 781,000 |
| Equity capital | 5,889,000 | 6,069,000 | 6,182,000 | 6,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 595,000 | 1,201,000 | 1,789,000 | 2,378,000 |
| Interest expense | 124,000 | 282,000 | 410,000 | 536,000 |
| Net interest income | 471,000 | 919,000 | 1,379,000 | 1,842,000 |
| Noninterest income | 30,000 | 113,000 | 147,000 | 183,000 |
| Noninterest expense | 372,000 | 783,000 | 1,177,000 | 1,579,000 |
| Provision for loan losses | 20,000 | 35,000 | 56,000 | 77,000 |
| Pretax income | 109,000 | 228,000 | 307,000 | 329,000 |
| Income tax | 25,000 | 53,000 | 65,000 | 79,000 |
| Net income | 84,000 | 175,000 | 242,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,984,000 | 6,111,000 | 6,177,000 | 6,186,000 |
| Total capital | 6,334,000 | 6,438,000 | 6,517,000 | 6,550,000 |
| Risk-weighted assets | 32,944,000 | 31,269,000 | 32,921,000 | 35,621,000 |