Call reports 2011
BENTON COUNTY STATE BANK — 2011
What BENTON COUNTY STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 40,137,000 | 40,702,000 | 40,517,000 | 40,767,000 |
| Total loans | 28,746,000 | 29,292,000 | 30,136,000 | 30,318,000 |
| Allowance for loan losses | 250,000 | 251,000 | 251,000 | 244,000 |
| Securities available for sale | 6,752,000 | 7,603,000 | 7,159,000 | 6,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,375,000 | 25,673,000 | 27,247,000 | 27,732,000 |
| Interest-bearing deposits | 20,868,000 | 21,053,000 | 22,369,000 | 22,667,000 |
| Noninterest-bearing deposits | 4,507,000 | 4,620,000 | 4,878,000 | 5,065,000 |
| Equity capital | 5,483,000 | 5,703,000 | 5,902,000 | 5,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 529,000 | 1,065,000 | 1,618,000 | 2,143,000 |
| Interest expense | 125,000 | 250,000 | 371,000 | 476,000 |
| Net interest income | 404,000 | 815,000 | 1,247,000 | 1,667,000 |
| Noninterest income | 27,000 | 53,000 | 101,000 | 127,000 |
| Noninterest expense | 266,000 | 521,000 | 787,000 | 1,076,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 165,000 | 408,000 | 622,000 | 779,000 |
| Income tax | 45,000 | 112,000 | 160,000 | 197,000 |
| Net income | 120,000 | 296,000 | 462,000 | 582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,423,000 | 5,599,000 | 5,765,000 | 5,525,000 |
| Total capital | 5,673,000 | 5,850,000 | 6,016,000 | 5,769,000 |
| Risk-weighted assets | 30,404,000 | 30,760,000 | 30,472,000 | 31,718,000 |