Call reports 2020
FIRST NATIONAL BANK OF BEARDSTOWN, THE — 2020
What FIRST NATIONAL BANK OF BEARDSTOWN, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 133,624,000 | 140,319,000 | 141,253,000 | 145,732,000 |
| Total loans | 83,450,000 | 85,956,000 | 87,873,000 | 84,271,000 |
| Allowance for loan losses | 933,000 | 942,000 | 919,000 | 915,000 |
| Securities available for sale | 16,437,000 | 16,037,000 | 18,514,000 | 19,236,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,211,000 | 123,554,000 | 124,135,000 | 128,485,000 |
| Interest-bearing deposits | 94,312,000 | 95,989,000 | 97,223,000 | 98,809,000 |
| Noninterest-bearing deposits | 22,899,000 | 27,565,000 | 26,912,000 | 29,676,000 |
| Equity capital | 16,124,000 | 16,555,000 | 16,894,000 | 16,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,335,000 | 2,644,000 | 3,895,000 | 5,079,000 |
| Interest expense | 124,000 | 232,000 | 324,000 | 410,000 |
| Net interest income | 1,211,000 | 2,412,000 | 3,571,000 | 4,669,000 |
| Noninterest income | 187,000 | 412,000 | 625,000 | 847,000 |
| Noninterest expense | 948,000 | 1,960,000 | 2,853,000 | 3,895,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 435,000 | 834,000 | 1,298,000 | 1,561,000 |
| Income tax | 7,000 | 11,000 | 16,000 | 20,000 |
| Net income | 428,000 | 823,000 | 1,282,000 | 1,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,670,000 | 15,979,000 | 16,354,000 | 16,155,000 |
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