Call reports 2015
FIRST NATIONAL BANK OF BEARDSTOWN, THE — 2015
What FIRST NATIONAL BANK OF BEARDSTOWN, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 104,287,000 | 109,322,000 | 111,179,000 | 113,308,000 |
| Total loans | 75,381,000 | 77,439,000 | 79,030,000 | 79,793,000 |
| Allowance for loan losses | 829,000 | 843,000 | 847,000 | 828,000 |
| Securities available for sale | 6,232,000 | 6,635,000 | 6,154,000 | 7,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,120,000 | 95,973,000 | 97,641,000 | 99,585,000 |
| Interest-bearing deposits | 71,065,000 | 76,592,000 | 79,260,000 | 79,858,000 |
| Noninterest-bearing deposits | 20,055,000 | 19,381,000 | 18,381,000 | 19,727,000 |
| Equity capital | 12,915,000 | 13,130,000 | 13,335,000 | 13,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,075,000 | 2,138,000 | 3,225,000 | 4,350,000 |
| Interest expense | 61,000 | 122,000 | 187,000 | 251,000 |
| Net interest income | 1,014,000 | 2,016,000 | 3,038,000 | 4,099,000 |
| Noninterest income | 199,000 | 424,000 | 623,000 | 843,000 |
| Noninterest expense | 894,000 | 1,757,000 | 2,663,000 | 3,602,000 |
| Provision for loan losses | 21,000 | 51,000 | 81,000 | 126,000 |
| Pretax income | 298,000 | 632,000 | 917,000 | 1,214,000 |
| Income tax | 4,000 | 5,000 | 5,000 | 6,000 |
| Net income | 294,000 | 627,000 | 912,000 | 1,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,717,000 | 12,956,000 | 13,157,000 | 13,086,000 |
| Total capital | 13,546,000 | 13,799,000 | 14,004,000 | 13,914,000 |
| Risk-weighted assets | 83,006,000 | 78,196,000 | 80,058,000 | 80,955,000 |