Call reports 2005
FIRST STATE BANK OF BEARDSTOWN — 2005
What FIRST STATE BANK OF BEARDSTOWN reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 46,839,000 | 46,371,000 | 47,101,000 | 46,870,000 |
| Total loans | 24,759,000 | 24,987,000 | 25,204,000 | 25,208,000 |
| Allowance for loan losses | 632,000 | 599,000 | 604,000 | 602,000 |
| Securities available for sale | 18,761,000 | 16,754,000 | 17,030,000 | 17,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,423,000 | 34,975,000 | 34,496,000 | 34,859,000 |
| Interest-bearing deposits | 28,767,000 | 27,427,000 | 26,167,000 | 26,323,000 |
| Noninterest-bearing deposits | 7,656,000 | 7,548,000 | 8,329,000 | 8,536,000 |
| Equity capital | 5,540,000 | 5,663,000 | 5,692,000 | 5,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 602,000 | 1,210,000 | 1,834,000 | 2,461,000 |
| Interest expense | 128,000 | 258,000 | 403,000 | 564,000 |
| Net interest income | 474,000 | 952,000 | 1,431,000 | 1,897,000 |
| Noninterest income | 86,000 | 169,000 | 255,000 | 342,000 |
| Noninterest expense | 445,000 | 914,000 | 1,392,000 | 2,051,000 |
| Provision for loan losses | 6,000 | 12,000 | 16,000 | 16,000 |
| Pretax income | 101,000 | 187,000 | 265,000 | 185,000 |
| Income tax | 25,000 | 46,000 | 62,000 | 26,000 |
| Net income | 76,000 | 141,000 | 203,000 | 159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,711,000 | 5,714,000 | 5,777,000 | 5,573,000 |
| Total capital | 6,050,000 | 6,055,000 | 6,120,000 | 5,907,000 |
| Risk-weighted assets | 26,853,000 | 27,010,000 | 27,149,000 | 26,462,000 |