Call reports 2010
BENTON COUNTY STATE BANK — 2010
What BENTON COUNTY STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 38,667,000 | 38,359,000 | 37,866,000 | 38,384,000 |
| Total loans | 29,237,000 | 31,027,000 | 31,329,000 | 30,860,000 |
| Allowance for loan losses | 252,000 | 252,000 | 252,000 | 250,000 |
| Securities available for sale | 3,609,000 | 3,933,000 | 4,038,000 | 5,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,067,000 | 23,151,000 | 22,913,000 | 23,690,000 |
| Interest-bearing deposits | 19,454,000 | 19,347,000 | 19,231,000 | 19,597,000 |
| Noninterest-bearing deposits | 4,613,000 | 3,804,000 | 3,682,000 | 4,093,000 |
| Equity capital | 5,341,000 | 5,239,000 | 5,477,000 | 5,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 524,000 | 1,056,000 | 1,590,000 | 2,114,000 |
| Interest expense | 147,000 | 295,000 | 438,000 | 572,000 |
| Net interest income | 377,000 | 761,000 | 1,152,000 | 1,542,000 |
| Noninterest income | 30,000 | 53,000 | 103,000 | 127,000 |
| Noninterest expense | 252,000 | 513,000 | 746,000 | 1,011,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 209,000 | 355,000 | 563,000 | 712,000 |
| Income tax | 63,000 | 112,000 | 152,000 | 189,000 |
| Net income | 146,000 | 243,000 | 411,000 | 523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,316,000 | 5,204,000 | 5,372,000 | 5,303,000 |
| Total capital | 5,568,000 | 5,456,000 | 5,624,000 | 5,553,000 |
| Risk-weighted assets | 29,756,000 | 31,022,000 | 31,459,000 | 31,773,000 |