Call reports 2022
BEARDSTOWN SAVINGS, S.B. — 2022
What BEARDSTOWN SAVINGS, S.B. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 72,728,000 | 68,012,000 | 65,787,000 | 63,851,000 |
| Total loans | 38,910,000 | 38,445,000 | 39,416,000 | 38,809,000 |
| Allowance for loan losses | 320,000 | 318,000 | 335,000 | 332,000 |
| Securities available for sale | 18,586,000 | 20,594,000 | 21,029,000 | 20,890,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,775,000 | 55,925,000 | 52,401,000 | 51,500,000 |
| Interest-bearing deposits | 55,742,000 | 55,020,000 | 51,550,000 | 50,493,000 |
| Noninterest-bearing deposits | 1,033,000 | 905,000 | 851,000 | 1,007,000 |
| Equity capital | 6,261,000 | 5,351,000 | 5,102,000 | 5,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 592,000 | 1,179,000 | 1,819,000 | 2,471,000 |
| Interest expense | 88,000 | 187,000 | 294,000 | 443,000 |
| Net interest income | 504,000 | 992,000 | 1,525,000 | 2,028,000 |
| Noninterest income | 44,000 | 93,000 | 135,000 | 180,000 |
| Noninterest expense | 427,000 | 856,000 | 1,324,000 | 1,784,000 |
| Provision for loan losses | 8,000 | 15,000 | 30,000 | 45,000 |
| Pretax income | 113,000 | 214,000 | 306,000 | 359,000 |
| Income tax | 17,000 | 37,000 | 45,000 | 54,000 |
| Net income | 96,000 | 177,000 | 261,000 | 305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,000,000 | 7,082,000 | 7,165,000 | 7,210,000 |
| Total capital | 7,320,000 | 7,400,000 | 7,500,000 | 7,542,000 |
| Risk-weighted assets | 37,703,000 | 37,622,000 | 37,869,000 | 36,714,000 |