Call reports 2025
BEARDSTOWN SAVINGS, S.B. — 2025
What BEARDSTOWN SAVINGS, S.B. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 71,949,000 | 72,454,000 | 73,074,000 | 73,023,000 |
| Total loans | 40,490,000 | 40,317,000 | 41,328,000 | 41,344,000 |
| Allowance for loan losses | 415,000 | 281,000 | 280,000 | 262,000 |
| Securities available for sale | 24,863,000 | 26,204,000 | 27,208,000 | 26,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,158,000 | 54,540,000 | 53,376,000 | 54,081,000 |
| Interest-bearing deposits | 53,101,000 | 53,030,000 | 52,470,000 | 53,205,000 |
| Noninterest-bearing deposits | 1,057,000 | 1,510,000 | 906,000 | 876,000 |
| Equity capital | 6,038,000 | 6,115,000 | 6,875,000 | 7,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 843,000 | 1,740,000 | 2,658,000 | 3,582,000 |
| Interest expense | 320,000 | 641,000 | 965,000 | 1,301,000 |
| Net interest income | 523,000 | 1,099,000 | 1,693,000 | 2,281,000 |
| Noninterest income | 72,000 | 125,000 | 171,000 | 209,000 |
| Noninterest expense | 423,000 | 884,000 | 1,381,000 | 1,912,000 |
| Provision for loan losses | 0 | -115,000 | -115,000 | -115,000 |
| Pretax income | 172,000 | 446,000 | 556,000 | 622,000 |
| Income tax | 50,000 | 59,000 | 74,000 | 83,000 |
| Net income | 122,000 | 387,000 | 482,000 | 539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,720,000 | 7,985,000 | 8,080,000 | 8,137,000 |
| Total capital | 8,142,000 | 8,272,000 | 8,367,000 | 8,407,000 |
| Risk-weighted assets | 40,257,000 | 40,148,000 | 40,577,000 | 40,610,000 |