Call reports 2004
BEAR STATE BANK — 2004
What BEAR STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 173,646,000 | 181,173,000 | 183,268,000 | 184,742,000 |
| Total loans | 124,164,000 | 133,875,000 | 139,321,000 | 139,273,000 |
| Allowance for loan losses | 1,865,000 | 1,938,000 | 2,024,000 | 2,091,000 |
| Securities available for sale | 29,893,000 | 27,201,000 | 27,470,000 | 27,124,000 |
| Securities held to maturity | 4,573,000 | 2,528,000 | 2,491,000 | 2,444,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,871,000 | 137,947,000 | 135,470,000 | 136,418,000 |
| Interest-bearing deposits | 114,650,000 | 118,044,000 | 115,128,000 | 114,899,000 |
| Noninterest-bearing deposits | 18,221,000 | 19,903,000 | 20,342,000 | 21,519,000 |
| Equity capital | 19,549,000 | 19,614,000 | 19,896,000 | 20,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,279,000 | 4,660,000 | 7,167,000 | 9,690,000 |
| Interest expense | 666,000 | 1,329,000 | 2,013,000 | 2,709,000 |
| Net interest income | 1,613,000 | 3,331,000 | 5,154,000 | 6,981,000 |
| Noninterest income | 295,000 | 581,000 | 886,000 | 1,205,000 |
| Noninterest expense | 1,148,000 | 2,279,000 | 3,411,000 | 4,565,000 |
| Provision for loan losses | 78,000 | 156,000 | 234,000 | 312,000 |
| Pretax income | 682,000 | 1,477,000 | 2,395,000 | 3,309,000 |
| Income tax | 250,000 | 550,000 | 885,000 | 1,224,000 |
| Net income | 432,000 | 927,000 | 1,510,000 | 2,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,920,000 | 19,415,000 | 19,498,000 | 20,073,000 |
| Total capital | 20,405,000 | 21,018,000 | 21,156,000 | 21,721,000 |
| Risk-weighted assets | 118,433,000 | 127,895,000 | 132,296,000 | 131,419,000 |
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