Call reports 2007
BEAR STATE BANK — 2007
What BEAR STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 428,616,000 | 431,812,000 | 728,074,000 | 710,108,000 |
| Total loans | 259,960,000 | 279,627,000 | 404,030,000 | 420,448,000 |
| Allowance for loan losses | 4,295,000 | 4,259,000 | 6,211,000 | 6,162,000 |
| Securities available for sale | 76,499,000 | 61,079,000 | 224,914,000 | 175,239,000 |
| Securities held to maturity | 1,178,000 | 1,136,000 | 2,510,000 | 1,898,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,260,000 | 317,246,000 | 579,197,000 | 558,947,000 |
| Interest-bearing deposits | 253,311,000 | 257,656,000 | 463,146,000 | 464,772,000 |
| Noninterest-bearing deposits | 57,949,000 | 59,590,000 | 116,051,000 | 94,175,000 |
| Equity capital | 77,986,000 | 79,284,000 | 111,861,000 | 114,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,077,000 | 12,512,000 | 31,513,000 | 42,132,000 |
| Interest expense | 2,314,000 | 4,805,000 | 13,554,000 | 17,886,000 |
| Net interest income | 3,763,000 | 7,707,000 | 17,959,000 | 24,246,000 |
| Noninterest income | 714,000 | 1,509,000 | 3,388,000 | 4,624,000 |
| Noninterest expense | 2,687,000 | 5,400,000 | 13,626,000 | 17,975,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,790,000 | 3,816,000 | 7,721,000 | 10,895,000 |
| Income tax | 630,000 | 1,358,000 | 2,696,000 | 3,804,000 |
| Net income | 1,160,000 | 2,458,000 | 5,025,000 | 7,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,873,000 | 35,237,000 | 68,176,000 | 70,320,000 |
| Total capital | 37,216,000 | 38,800,000 | 73,636,000 | 75,887,000 |
| Risk-weighted assets | 266,473,000 | 284,306,000 | 436,057,000 | 444,705,000 |