Call reports 2007
FIRST NATIONAL BANK OF BEARDSTOWN, THE — 2007
What FIRST NATIONAL BANK OF BEARDSTOWN, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 49,423,000 | 50,939,000 | 50,279,000 | 50,749,000 |
| Total loans | 33,774,000 | 33,781,000 | 34,350,000 | 33,839,000 |
| Allowance for loan losses | 355,000 | 338,000 | 339,000 | 339,000 |
| Securities available for sale | 9,897,000 | 12,084,000 | 11,717,000 | 11,295,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,185,000 | 41,727,000 | 40,697,000 | 40,949,000 |
| Interest-bearing deposits | 33,521,000 | 35,287,000 | 34,544,000 | 33,848,000 |
| Noninterest-bearing deposits | 6,664,000 | 6,440,000 | 6,153,000 | 7,101,000 |
| Equity capital | 9,021,000 | 9,059,000 | 9,386,000 | 9,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 784,000 | 1,593,000 | 2,419,000 | 3,256,000 |
| Interest expense | 204,000 | 429,000 | 664,000 | 906,000 |
| Net interest income | 580,000 | 1,164,000 | 1,755,000 | 2,350,000 |
| Noninterest income | 140,000 | 284,000 | 414,000 | 562,000 |
| Noninterest expense | 473,000 | 978,000 | 1,444,000 | 1,986,000 |
| Provision for loan losses | 11,000 | 21,000 | 32,000 | 42,000 |
| Pretax income | 240,000 | 455,000 | 699,000 | 890,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 240,000 | 455,000 | 699,000 | 890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,029,000 | 9,171,000 | 9,344,000 | 9,223,000 |
| Total capital | 9,384,000 | 9,509,000 | 9,683,000 | 9,562,000 |
| Risk-weighted assets | 32,450,000 | 33,316,000 | 33,914,000 | 34,018,000 |
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