Call reports 2014
BENTON COUNTY STATE BANK — 2014
What BENTON COUNTY STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 44,336,000 | 43,688,000 | 42,368,000 | 44,278,000 |
| Total loans | 32,535,000 | 32,151,000 | 33,986,000 | 34,522,000 |
| Allowance for loan losses | 241,000 | 241,000 | 241,000 | 241,000 |
| Securities available for sale | 7,330,000 | 6,087,000 | 6,057,000 | 6,067,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,703,000 | 30,048,000 | 27,940,000 | 29,203,000 |
| Interest-bearing deposits | 24,859,000 | 23,951,000 | 22,370,000 | 23,215,000 |
| Noninterest-bearing deposits | 5,844,000 | 6,097,000 | 5,570,000 | 5,988,000 |
| Equity capital | 5,618,000 | 5,652,000 | 5,781,000 | 5,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 481,000 | 967,000 | 1,449,000 | 1,934,000 |
| Interest expense | 73,000 | 150,000 | 227,000 | 303,000 |
| Net interest income | 408,000 | 817,000 | 1,222,000 | 1,631,000 |
| Noninterest income | 22,000 | 42,000 | 83,000 | 103,000 |
| Noninterest expense | 247,000 | 448,000 | 694,000 | 958,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 183,000 | 418,000 | 618,000 | 783,000 |
| Income tax | 49,000 | 121,000 | 181,000 | 220,000 |
| Net income | 134,000 | 297,000 | 437,000 | 563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,556,000 | 5,569,000 | 5,709,000 | 5,655,000 |
| Total capital | 5,797,000 | 5,810,000 | 5,950,000 | 5,896,000 |
| Risk-weighted assets | 37,942,000 | 35,959,000 | 37,521,000 | 37,062,000 |