Call reports 2023
BENTON COUNTY STATE BANK — 2023
What BENTON COUNTY STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 50,482,000 | 52,649,000 | 51,913,000 | 49,341,000 |
| Total loans | 34,465,000 | 32,367,000 | 32,518,000 | 31,064,000 |
| Allowance for loan losses | 246,000 | 246,000 | 246,000 | 246,000 |
| Securities available for sale | 9,282,000 | 11,147,000 | 10,516,000 | 12,365,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,915,000 | 39,977,000 | 39,365,000 | 36,366,000 |
| Interest-bearing deposits | 28,413,000 | 30,601,000 | 30,216,000 | 27,675,000 |
| Noninterest-bearing deposits | 9,502,000 | 9,376,000 | 9,149,000 | 8,691,000 |
| Equity capital | 6,557,000 | 6,624,000 | 6,446,000 | 6,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 506,000 | 1,052,000 | 1,640,000 | 2,209,000 |
| Interest expense | 96,000 | 209,000 | 349,000 | 492,000 |
| Net interest income | 410,000 | 843,000 | 1,291,000 | 1,717,000 |
| Noninterest income | 18,000 | 32,000 | 53,000 | 92,000 |
| Noninterest expense | 274,000 | 543,000 | 816,000 | 1,128,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 154,000 | 332,000 | 528,000 | 681,000 |
| Income tax | 34,000 | 51,000 | 95,000 | 129,000 |
| Net income | 120,000 | 281,000 | 433,000 | 552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,217,000 | 7,379,000 | 7,531,000 | 7,499,000 |