Call reports 2023
BEARDSTOWN SAVINGS, S.B. — 2023
What BEARDSTOWN SAVINGS, S.B. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 66,793,000 | 64,110,000 | 64,339,000 | 65,020,000 |
| Total loans | 38,110,000 | 38,617,000 | 38,309,000 | 38,782,000 |
| Allowance for loan losses | 451,000 | 467,000 | 483,000 | 473,000 |
| Securities available for sale | 21,016,000 | 20,687,000 | 20,832,000 | 21,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,560,000 | 52,402,000 | 51,703,000 | 51,231,000 |
| Interest-bearing deposits | 53,086,000 | 51,213,000 | 50,968,000 | 50,373,000 |
| Noninterest-bearing deposits | 1,474,000 | 1,189,000 | 735,000 | 858,000 |
| Equity capital | 5,539,000 | 5,500,000 | 5,201,000 | 6,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 659,000 | 1,345,000 | 2,047,000 | 2,767,000 |
| Interest expense | 157,000 | 333,000 | 571,000 | 828,000 |
| Net interest income | 502,000 | 1,012,000 | 1,476,000 | 1,939,000 |
| Noninterest income | 52,000 | 99,000 | 157,000 | 282,000 |
| Noninterest expense | 463,000 | 904,000 | 1,362,000 | 1,850,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 45,000 |
| Pretax income | 76,000 | 166,000 | 214,000 | 314,000 |
| Income tax | 6,000 | 14,000 | 19,000 | 34,000 |
| Net income | 70,000 | 152,000 | 195,000 | 280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,128,000 | 7,211,000 | 7,253,000 | 7,338,000 |
| Total capital | 7,579,000 | 7,666,000 | 7,709,000 | 7,792,000 |
| Risk-weighted assets | 36,760,000 | 36,416,000 | 36,529,000 | 36,346,000 |