Call reports 2015
BENTON COUNTY STATE BANK — 2015
What BENTON COUNTY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 43,605,000 | 41,258,000 | 40,610,000 | 41,323,000 |
| Total loans | 33,101,000 | 32,538,000 | 33,697,000 | 33,424,000 |
| Allowance for loan losses | 241,000 | 241,000 | 247,000 | 247,000 |
| Securities available for sale | 5,080,000 | 5,033,000 | 4,719,000 | 5,121,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,738,000 | 27,439,000 | 27,770,000 | 26,743,000 |
| Interest-bearing deposits | 23,744,000 | 21,659,000 | 22,219,000 | 20,908,000 |
| Noninterest-bearing deposits | 5,994,000 | 5,780,000 | 5,551,000 | 5,835,000 |
| Equity capital | 5,865,000 | 5,818,000 | 5,963,000 | 5,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 466,000 | 951,000 | 1,430,000 | 1,918,000 |
| Interest expense | 73,000 | 143,000 | 213,000 | 277,000 |
| Net interest income | 393,000 | 808,000 | 1,217,000 | 1,641,000 |
| Noninterest income | 23,000 | 41,000 | 82,000 | 103,000 |
| Noninterest expense | 253,000 | 504,000 | 750,000 | 1,030,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 159,000 | 341,000 | 545,000 | 710,000 |
| Income tax | 47,000 | 104,000 | 161,000 | 212,000 |
| Net income | 112,000 | 237,000 | 384,000 | 498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,767,000 | 5,742,000 | 5,889,000 | 5,823,000 |
| Total capital | 6,008,000 | 5,983,000 | 6,136,000 | 6,070,000 |
| Risk-weighted assets | 36,621,000 | 37,760,000 | 38,506,000 | 37,981,000 |