Call reports 2015
BEAR STATE BANK — 2015
What BEAR STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,474,650,000 | 1,448,243,000 | 1,467,668,000 | 1,461,020,000 |
| Total loans | 1,050,894,000 | 1,067,511,000 | 1,085,107,000 | 1,101,140,000 |
| Allowance for loan losses | 13,762,000 | 13,854,000 | 13,975,000 | 13,939,000 |
| Securities available for sale | 176,599,000 | 182,525,000 | 164,564,000 | 171,532,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,237,714,000 | 1,209,997,000 | 1,210,626,000 | 1,214,299,000 |
| Interest-bearing deposits | 1,059,330,000 | 1,041,003,000 | 1,036,018,000 | 1,035,557,000 |
| Noninterest-bearing deposits | 178,384,000 | 168,994,000 | 174,608,000 | 178,742,000 |
| Equity capital | 187,649,000 | 189,737,000 | 181,986,000 | 184,415,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 14,107,000 | 27,629,000 | 41,379,000 | 54,998,000 |
| Interest expense | 1,425,000 | 2,882,000 | 4,302,000 | 5,713,000 |
| Net interest income | 12,682,000 | 24,747,000 | 37,077,000 | 49,285,000 |
| Noninterest income | 2,988,000 | 6,463,000 | 10,064,000 | 13,031,000 |
| Noninterest expense | 11,804,000 | 22,699,000 | 33,011,000 | 44,272,000 |
| Provision for loan losses | 300,000 | 600,000 | 931,000 | 1,175,000 |
| Pretax income | 3,654,000 | 7,999,000 | 13,287,000 | 16,961,000 |
| Income tax | 1,076,000 | 2,416,000 | 4,154,000 | 5,181,000 |
| Net income | 2,578,000 | 5,583,000 | 9,133,000 | 11,780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 148,052,000 | 153,308,000 | 145,979,000 | 150,561,000 |
| Total capital | 161,814,000 | 167,162,000 | 159,954,000 | 164,500,000 |
| Risk-weighted assets | 1,150,816,000 | 1,173,870,000 | 1,191,151,000 | 1,235,194,000 |