Call reports 2012
BENTON COUNTY STATE BANK — 2012
What BENTON COUNTY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 42,225,000 | 40,997,000 | 40,484,000 | 42,547,000 |
| Total loans | 28,845,000 | 28,743,000 | 29,141,000 | 31,744,000 |
| Allowance for loan losses | 244,000 | 244,000 | 244,000 | 243,000 |
| Securities available for sale | 6,171,000 | 7,996,000 | 7,766,000 | 8,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,921,000 | 27,902,000 | 28,118,000 | 28,931,000 |
| Interest-bearing deposits | 23,478,000 | 21,924,000 | 22,152,000 | 22,585,000 |
| Noninterest-bearing deposits | 5,443,000 | 5,978,000 | 5,966,000 | 6,345,000 |
| Equity capital | 5,855,000 | 5,660,000 | 5,895,000 | 5,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 513,000 | 1,010,000 | 1,513,000 | 2,005,000 |
| Interest expense | 99,000 | 193,000 | 283,000 | 369,000 |
| Net interest income | 414,000 | 817,000 | 1,230,000 | 1,636,000 |
| Noninterest income | 20,000 | 42,000 | 90,000 | 111,000 |
| Noninterest expense | 256,000 | 523,000 | 782,000 | 1,079,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 220,000 | 426,000 | 676,000 | 806,000 |
| Income tax | 61,000 | 116,000 | 179,000 | 206,000 |
| Net income | 159,000 | 310,000 | 497,000 | 600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,685,000 | 5,505,000 | 5,692,000 | 5,194,000 |
| Total capital | 5,929,000 | 5,749,000 | 5,936,000 | 5,437,000 |
| Risk-weighted assets | 30,775,000 | 32,133,000 | 32,999,000 | 35,837,000 |