Call reports 2002
FIRST STATE BANK OF BEARDSTOWN — 2002
What FIRST STATE BANK OF BEARDSTOWN reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 45,786,000 | 45,513,000 | 46,669,000 | 46,306,000 |
| Total loans | 24,602,000 | 26,119,000 | 26,559,000 | 26,000,000 |
| Allowance for loan losses | 396,000 | 400,000 | 406,000 | 404,000 |
| Securities available for sale | 14,811,000 | 16,316,000 | 16,371,000 | 15,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,159,000 | 38,852,000 | 39,388,000 | 38,890,000 |
| Interest-bearing deposits | 33,679,000 | 32,620,000 | 33,106,000 | 32,375,000 |
| Noninterest-bearing deposits | 6,480,000 | 6,232,000 | 6,282,000 | 6,515,000 |
| Equity capital | 5,040,000 | 5,287,000 | 5,369,000 | 5,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 736,000 | 1,459,000 | 2,192,000 | 2,913,000 |
| Interest expense | 252,000 | 482,000 | 708,000 | 926,000 |
| Net interest income | 484,000 | 977,000 | 1,484,000 | 1,987,000 |
| Noninterest income | 100,000 | 216,000 | 319,000 | 417,000 |
| Noninterest expense | 428,000 | 864,000 | 1,308,000 | 1,725,000 |
| Provision for loan losses | 22,000 | 45,000 | 60,000 | 75,000 |
| Pretax income | 164,000 | 314,000 | 505,000 | 697,000 |
| Income tax | 45,000 | 78,000 | 130,000 | 206,000 |
| Net income | 119,000 | 236,000 | 375,000 | 491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,036,000 | 5,104,000 | 5,128,000 | 5,155,000 |
| Total capital | 5,432,000 | 5,461,000 | 5,488,000 | 5,505,000 |
| Risk-weighted assets | 29,369,000 | 28,447,000 | 28,668,000 | 27,911,000 |