Call reports 2013
BENTON COUNTY STATE BANK — 2013
What BENTON COUNTY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 44,459,000 | 43,002,000 | 40,057,000 | 43,298,000 |
| Total loans | 28,914,000 | 30,353,000 | 30,096,000 | 33,446,000 |
| Allowance for loan losses | 243,000 | 243,000 | 241,000 | 241,000 |
| Securities available for sale | 9,254,000 | 7,466,000 | 7,461,000 | 7,379,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,434,000 | 30,167,000 | 27,075,000 | 29,144,000 |
| Interest-bearing deposits | 25,341,000 | 24,643,000 | 22,069,000 | 23,996,000 |
| Noninterest-bearing deposits | 6,093,000 | 5,524,000 | 5,006,000 | 5,148,000 |
| Equity capital | 5,512,000 | 5,364,000 | 5,512,000 | 5,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 500,000 | 978,000 | 1,459,000 | 1,951,000 |
| Interest expense | 86,000 | 170,000 | 253,000 | 332,000 |
| Net interest income | 414,000 | 808,000 | 1,206,000 | 1,619,000 |
| Noninterest income | 26,000 | 66,000 | 91,000 | 111,000 |
| Noninterest expense | 247,000 | 487,000 | 729,000 | 999,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 187,000 | 395,000 | 576,000 | 739,000 |
| Income tax | 46,000 | 102,000 | 140,000 | 181,000 |
| Net income | 141,000 | 293,000 | 436,000 | 558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,336,000 | 5,337,000 | 5,480,000 | 5,422,000 |
| Total capital | 5,579,000 | 5,580,000 | 5,721,000 | 5,663,000 |
| Risk-weighted assets | 34,786,000 | 34,444,000 | 33,782,000 | 37,730,000 |