Call reports 2010
FIRST NATIONAL BANK OF BEARDSTOWN, THE — 2010
What FIRST NATIONAL BANK OF BEARDSTOWN, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 89,038,000 | 90,025,000 | 92,230,000 | 92,894,000 |
| Total loans | 58,843,000 | 59,696,000 | 64,401,000 | 65,340,000 |
| Allowance for loan losses | 754,000 | 566,000 | 553,000 | 559,000 |
| Securities available for sale | 16,170,000 | 15,034,000 | 14,009,000 | 10,875,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,532,000 | 79,365,000 | 81,385,000 | 81,918,000 |
| Interest-bearing deposits | 66,063,000 | 66,172,000 | 68,866,000 | 68,676,000 |
| Noninterest-bearing deposits | 12,469,000 | 13,193,000 | 12,519,000 | 13,242,000 |
| Equity capital | 10,274,000 | 10,519,000 | 10,673,000 | 10,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,063,000 | 2,136,000 | 3,242,000 | 4,346,000 |
| Interest expense | 180,000 | 360,000 | 536,000 | 707,000 |
| Net interest income | 883,000 | 1,776,000 | 2,706,000 | 3,639,000 |
| Noninterest income | 197,000 | 371,000 | 573,000 | 763,000 |
| Noninterest expense | 855,000 | 1,674,000 | 2,538,000 | 3,363,000 |
| Provision for loan losses | 17,000 | 33,000 | 50,000 | 66,000 |
| Pretax income | 218,000 | 467,000 | 718,000 | 1,000,000 |
| Income tax | 8,000 | 10,000 | 12,000 | 14,000 |
| Net income | 210,000 | 457,000 | 706,000 | 986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,335,000 | 9,486,000 | 9,639,000 | 9,606,000 |
| Total capital | 10,074,000 | 10,052,000 | 10,192,000 | 10,165,000 |
| Risk-weighted assets | 59,097,000 | 60,447,000 | 63,661,000 | 64,660,000 |
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