Call reports 2012
FIRST NATIONAL BANK OF BEARDSTOWN, THE — 2012
What FIRST NATIONAL BANK OF BEARDSTOWN, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 107,965,000 | 102,981,000 | 105,880,000 | 104,711,000 |
| Total loans | 71,052,000 | 73,715,000 | 75,095,000 | 78,183,000 |
| Allowance for loan losses | 587,000 | 608,000 | 615,000 | 689,000 |
| Securities available for sale | 12,691,000 | 11,686,000 | 11,759,000 | 10,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,810,000 | 90,967,000 | 93,655,000 | 92,326,000 |
| Interest-bearing deposits | 78,223,000 | 75,010,000 | 75,764,000 | 74,756,000 |
| Noninterest-bearing deposits | 18,587,000 | 15,957,000 | 17,891,000 | 17,570,000 |
| Equity capital | 10,935,000 | 11,874,000 | 12,047,000 | 11,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,104,000 | 2,199,000 | 3,322,000 | 4,450,000 |
| Interest expense | 120,000 | 227,000 | 324,000 | 416,000 |
| Net interest income | 984,000 | 1,972,000 | 2,998,000 | 4,034,000 |
| Noninterest income | 185,000 | 376,000 | 570,000 | 775,000 |
| Noninterest expense | 872,000 | 1,672,000 | 2,554,000 | 3,416,000 |
| Provision for loan losses | 36,000 | 53,000 | 85,000 | 201,000 |
| Pretax income | 261,000 | 623,000 | 929,000 | 1,192,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 4,000 |
| Net income | 260,000 | 621,000 | 926,000 | 1,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,138,000 | 11,096,000 | 11,300,000 | 11,238,000 |
| Total capital | 10,725,000 | 11,704,000 | 11,915,000 | 11,927,000 |
| Risk-weighted assets | 71,558,000 | 72,812,000 | 74,537,000 | 77,000,000 |