Call reports 2004
FIRST STATE BANK OF BEARDSTOWN — 2004
What FIRST STATE BANK OF BEARDSTOWN reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 50,236,000 | 51,621,000 | 49,918,000 | 49,612,000 |
| Total loans | 25,488,000 | 26,369,000 | 26,666,000 | 26,073,000 |
| Allowance for loan losses | 644,000 | 650,000 | 627,000 | 623,000 |
| Securities available for sale | 20,687,000 | 19,208,000 | 19,158,000 | 18,668,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,119,000 | 39,678,000 | 38,872,000 | 37,781,000 |
| Interest-bearing deposits | 29,525,000 | 32,432,000 | 31,840,000 | 29,712,000 |
| Noninterest-bearing deposits | 8,594,000 | 7,246,000 | 7,032,000 | 8,069,000 |
| Equity capital | 5,924,000 | 5,280,000 | 5,549,000 | 5,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 580,000 | 1,207,000 | 1,893,000 | 2,539,000 |
| Interest expense | 132,000 | 271,000 | 415,000 | 553,000 |
| Net interest income | 448,000 | 936,000 | 1,478,000 | 1,986,000 |
| Noninterest income | 496,000 | 598,000 | 698,000 | 724,000 |
| Noninterest expense | 472,000 | 981,000 | 1,427,000 | 1,792,000 |
| Provision for loan losses | 10,000 | 13,000 | 15,000 | 17,000 |
| Pretax income | 462,000 | 525,000 | 710,000 | 877,000 |
| Income tax | 165,000 | 176,000 | 235,000 | 288,000 |
| Net income | 297,000 | 349,000 | 475,000 | 589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,719,000 | 5,502,000 | 5,628,000 | 5,615,000 |
| Total capital | 6,071,000 | 5,876,000 | 5,982,000 | 5,963,000 |
| Risk-weighted assets | 27,850,000 | 29,621,000 | 28,036,000 | 27,618,000 |