Call reports 2020
BEARDSTOWN SAVINGS, S.B. — 2020
What BEARDSTOWN SAVINGS, S.B. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 54,331,000 | 60,725,000 | 60,349,000 | 62,921,000 |
| Total loans | 40,234,000 | 39,058,000 | 39,234,000 | 39,204,000 |
| Allowance for loan losses | 371,000 | 349,000 | 348,000 | 357,000 |
| Securities available for sale | 9,234,000 | 11,583,000 | 11,787,000 | 12,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,872,000 | 44,149,000 | 44,581,000 | 47,113,000 |
| Interest-bearing deposits | 38,901,000 | 41,126,000 | 41,604,000 | 44,415,000 |
| Noninterest-bearing deposits | 971,000 | 3,023,000 | 2,977,000 | 2,698,000 |
| Equity capital | 6,223,000 | 6,664,000 | 6,790,000 | 6,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 614,000 | 1,287,000 | 1,869,000 | 2,459,000 |
| Interest expense | 128,000 | 247,000 | 358,000 | 473,000 |
| Net interest income | 486,000 | 1,040,000 | 1,511,000 | 1,986,000 |
| Noninterest income | 50,000 | 102,000 | 164,000 | 218,000 |
| Noninterest expense | 396,000 | 797,000 | 1,211,000 | 1,604,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 129,000 |
| Pretax income | 119,000 | 303,000 | 410,000 | 480,000 |
| Income tax | 28,000 | 69,000 | 88,000 | 119,000 |
| Net income | 91,000 | 234,000 | 322,000 | 361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,276,000 | 6,419,000 | 6,508,000 | 6,547,000 |
| Total capital | 6,647,000 | 6,768,000 | 6,856,000 | 6,904,000 |
| Risk-weighted assets | 35,668,000 | 36,500,000 | 36,197,000 | 36,723,000 |