Call reports 2008
BEAR STATE BANK — 2008
What BEAR STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 731,884,000 | 728,332,000 | 695,253,000 | 679,605,000 |
| Total loans | 423,737,000 | 433,674,000 | 441,655,000 | 449,328,000 |
| Allowance for loan losses | 6,241,000 | 6,268,000 | 6,337,000 | 6,722,000 |
| Securities available for sale | 171,262,000 | 156,613,000 | 147,712,000 | 97,682,000 |
| Securities held to maturity | 1,672,000 | 1,663,000 | 1,601,000 | 1,567,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 569,836,000 | 563,751,000 | 526,491,000 | 499,731,000 |
| Interest-bearing deposits | 476,464,000 | 472,641,000 | 444,848,000 | 417,939,000 |
| Noninterest-bearing deposits | 93,372,000 | 91,110,000 | 81,643,000 | 81,792,000 |
| Equity capital | 117,104,000 | 117,997,000 | 120,797,000 | 123,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,987,000 | 19,445,000 | 28,737,000 | 37,685,000 |
| Interest expense | 3,863,000 | 7,235,000 | 10,139,000 | 12,767,000 |
| Net interest income | 6,124,000 | 12,210,000 | 18,598,000 | 24,918,000 |
| Noninterest income | 1,236,000 | 2,455,000 | 3,851,000 | 5,243,000 |
| Noninterest expense | 4,096,000 | 8,128,000 | 12,479,000 | 16,765,000 |
| Provision for loan losses | 66,000 | 132,000 | 282,000 | 732,000 |
| Pretax income | 3,198,000 | 6,405,000 | 9,688,000 | 12,664,000 |
| Income tax | 1,133,000 | 2,290,000 | 3,496,000 | 4,581,000 |
| Net income | 2,065,000 | 4,115,000 | 6,192,000 | 8,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,464,000 | 74,592,000 | 76,748,000 | 78,717,000 |
| Total capital | 78,130,000 | 80,360,000 | 82,308,000 | 84,195,000 |
| Risk-weighted assets | 452,719,000 | 460,170,000 | 443,233,000 | 436,206,000 |