Call reports 2016
FIRST NATIONAL BANK OF BEARDSTOWN, THE — 2016
What FIRST NATIONAL BANK OF BEARDSTOWN, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 106,369,000 | 113,532,000 | 110,419,000 | 114,408,000 |
| Total loans | 77,811,000 | 76,729,000 | 77,148,000 | 77,050,000 |
| Allowance for loan losses | 899,000 | 887,000 | 876,000 | 759,000 |
| Securities available for sale | 7,111,000 | 7,121,000 | 7,936,000 | 7,779,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,711,000 | 99,787,000 | 96,540,000 | 100,529,000 |
| Interest-bearing deposits | 72,691,000 | 77,856,000 | 77,795,000 | 78,734,000 |
| Noninterest-bearing deposits | 20,020,000 | 21,931,000 | 18,745,000 | 21,795,000 |
| Equity capital | 13,367,000 | 13,521,000 | 13,680,000 | 13,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,095,000 | 2,147,000 | 3,226,000 | 4,312,000 |
| Interest expense | 58,000 | 121,000 | 186,000 | 251,000 |
| Net interest income | 1,037,000 | 2,026,000 | 3,040,000 | 4,061,000 |
| Noninterest income | 214,000 | 445,000 | 648,000 | 849,000 |
| Noninterest expense | 858,000 | 1,815,000 | 2,745,000 | 3,726,000 |
| Provision for loan losses | 105,000 | 145,000 | 145,000 | 167,000 |
| Pretax income | 288,000 | 511,000 | 798,000 | 1,017,000 |
| Income tax | 1,000 | 8,000 | 12,000 | 17,000 |
| Net income | 287,000 | 503,000 | 786,000 | 1,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,096,000 | 13,260,000 | 13,450,000 | 13,350,000 |
| Total capital | 13,995,000 | 14,147,000 | 14,326,000 | 14,109,000 |
| Risk-weighted assets | 77,597,000 | 78,358,000 | 78,403,000 | 78,217,000 |