Call reports 2008
FIRST NATIONAL BANK OF BEARDSTOWN, THE — 2008
What FIRST NATIONAL BANK OF BEARDSTOWN, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 52,358,000 | 51,733,000 | 51,129,000 | 53,918,000 |
| Total loans | 32,348,000 | 32,970,000 | 35,773,000 | 37,205,000 |
| Allowance for loan losses | 341,000 | 344,000 | 335,000 | 351,000 |
| Securities available for sale | 14,675,000 | 13,294,000 | 10,775,000 | 10,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,540,000 | 42,157,000 | 41,290,000 | 43,525,000 |
| Interest-bearing deposits | 35,312,000 | 34,924,000 | 34,969,000 | 36,060,000 |
| Noninterest-bearing deposits | 7,228,000 | 7,233,000 | 6,321,000 | 7,465,000 |
| Equity capital | 9,594,000 | 9,368,000 | 9,652,000 | 9,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 810,000 | 1,594,000 | 2,384,000 | 3,183,000 |
| Interest expense | 218,000 | 408,000 | 590,000 | 772,000 |
| Net interest income | 592,000 | 1,186,000 | 1,794,000 | 2,411,000 |
| Noninterest income | 146,000 | 294,000 | 429,000 | 564,000 |
| Noninterest expense | 489,000 | 972,000 | 1,440,000 | 1,936,000 |
| Provision for loan losses | 10,000 | 18,000 | 20,000 | 48,000 |
| Pretax income | 239,000 | 499,000 | 773,000 | 1,001,000 |
| Income tax | 6,000 | 8,000 | 9,000 | 10,000 |
| Net income | 233,000 | 491,000 | 764,000 | 991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,279,000 | 9,417,000 | 9,618,000 | 9,533,000 |
| Total capital | 9,620,000 | 9,761,000 | 9,953,000 | 9,884,000 |
| Risk-weighted assets | 33,066,000 | 33,078,000 | 34,903,000 | 36,851,000 |
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