Call reports 2003
FIRST STATE BANK OF BEARDSTOWN — 2003
What FIRST STATE BANK OF BEARDSTOWN reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 45,299,000 | 44,465,000 | 43,516,000 | 43,611,000 |
| Total loans | 26,283,000 | 26,234,000 | 27,156,000 | 27,069,000 |
| Allowance for loan losses | 422,000 | 442,000 | 450,000 | 457,000 |
| Securities available for sale | 14,672,000 | 14,162,000 | 12,810,000 | 12,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,973,000 | 37,034,000 | 36,172,000 | 36,139,000 |
| Interest-bearing deposits | 31,541,000 | 30,234,000 | 29,879,000 | 28,843,000 |
| Noninterest-bearing deposits | 6,432,000 | 6,800,000 | 6,293,000 | 7,296,000 |
| Equity capital | 5,464,000 | 5,547,000 | 5,532,000 | 5,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 658,000 | 1,302,000 | 1,893,000 | 2,489,000 |
| Interest expense | 196,000 | 366,000 | 516,000 | 653,000 |
| Net interest income | 462,000 | 936,000 | 1,377,000 | 1,836,000 |
| Noninterest income | 104,000 | 214,000 | 350,000 | 449,000 |
| Noninterest expense | 439,000 | 877,000 | 1,309,000 | 1,676,000 |
| Provision for loan losses | 13,000 | 25,000 | 37,000 | 50,000 |
| Pretax income | 174,000 | 312,000 | 446,000 | 634,000 |
| Income tax | 53,000 | 91,000 | 129,000 | 187,000 |
| Net income | 121,000 | 221,000 | 317,000 | 447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,276,000 | 5,295,000 | 5,390,000 | 5,422,000 |
| Total capital | 5,620,000 | 5,631,000 | 5,733,000 | 5,768,000 |
| Risk-weighted assets | 27,435,000 | 26,801,000 | 27,387,000 | 27,558,000 |