Call reports 2014
BEAR STATE BANK — 2014
What BEAR STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 707,704,000 | 607,057,000 | 619,229,000 | 616,524,000 |
| Total loans | 394,876,000 | 382,363,000 | 400,925,000 | 396,852,000 |
| Allowance for loan losses | 8,854,000 | 125,000 | 416,000 | 855,000 |
| Securities available for sale | 100,029,000 | 113,537,000 | 98,316,000 | 64,707,000 |
| Securities held to maturity | 981,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 545,736,000 | 516,954,000 | 525,159,000 | 520,817,000 |
| Interest-bearing deposits | 429,191,000 | 402,434,000 | 408,859,000 | 402,258,000 |
| Noninterest-bearing deposits | 116,545,000 | 114,519,000 | 116,300,000 | 118,559,000 |
| Equity capital | 121,488,000 | 76,921,000 | 79,120,000 | 80,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,514,000 | 1,043,000 | 7,992,000 | 14,279,000 |
| Interest expense | 580,000 | 35,000 | 259,000 | 511,000 |
| Net interest income | 4,934,000 | 1,008,000 | 7,733,000 | 13,768,000 |
| Noninterest income | 1,171,000 | 194,000 | 1,407,000 | 2,554,000 |
| Noninterest expense | 3,745,000 | 516,000 | 4,481,000 | 8,440,000 |
| Provision for loan losses | 0 | 130,000 | 430,000 | 888,000 |
| Pretax income | 2,360,000 | 556,000 | 4,229,000 | 6,994,000 |
| Income tax | 893,000 | 202,000 | 1,601,000 | 2,540,000 |
| Net income | 1,467,000 | 354,000 | 2,628,000 | 4,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,165,000 | 50,166,000 | 54,312,000 | 56,245,000 |
| Total capital | 81,225,000 | 50,291,000 | 54,728,000 | 57,100,000 |
| Risk-weighted assets | 400,977,000 | 412,815,000 | 443,584,000 | 427,922,000 |