Call reports 2020
BENTON COUNTY STATE BANK — 2020
What BENTON COUNTY STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 44,995,000 | 46,165,000 | 50,165,000 | 49,996,000 |
| Total loans | 32,792,000 | 33,027,000 | 31,928,000 | 31,149,000 |
| Allowance for loan losses | 247,000 | 246,000 | 246,000 | 246,000 |
| Securities available for sale | 9,771,000 | 9,808,000 | 8,509,000 | 8,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,977,000 | 30,037,000 | 33,890,000 | 34,347,000 |
| Interest-bearing deposits | 23,368,000 | 23,517,000 | 26,312,000 | 26,134,000 |
| Noninterest-bearing deposits | 5,609,000 | 6,520,000 | 7,578,000 | 8,213,000 |
| Equity capital | 6,546,000 | 6,619,000 | 6,761,000 | 6,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 490,000 | 1,011,000 | 1,504,000 | 1,971,000 |
| Interest expense | 113,000 | 225,000 | 329,000 | 425,000 |
| Net interest income | 377,000 | 786,000 | 1,175,000 | 1,546,000 |
| Noninterest income | 22,000 | 37,000 | 58,000 | 89,000 |
| Noninterest expense | 257,000 | 505,000 | 751,000 | 1,044,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 142,000 | 318,000 | 482,000 | 591,000 |
| Income tax | 31,000 | 69,000 | 103,000 | 120,000 |
| Net income | 111,000 | 249,000 | 379,000 | 471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,418,000 | 6,406,000 | 6,537,000 | 6,479,000 |