Call reports 2006
FIRST STATE BANK OF BEARDSTOWN — 2006
What FIRST STATE BANK OF BEARDSTOWN reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 46,250,000 | 46,333,000 | 46,759,000 | 47,185,000 |
| Total loans | 24,680,000 | 25,885,000 | 25,652,000 | 26,009,000 |
| Allowance for loan losses | 603,000 | 603,000 | 592,000 | 463,000 |
| Securities available for sale | 18,066,000 | 16,573,000 | 17,057,000 | 17,264,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,180,000 | 33,610,000 | 33,192,000 | 33,385,000 |
| Interest-bearing deposits | 25,924,000 | 26,020,000 | 25,976,000 | 26,207,000 |
| Noninterest-bearing deposits | 8,256,000 | 7,590,000 | 7,216,000 | 7,178,000 |
| Equity capital | 5,210,000 | 4,944,000 | 5,360,000 | 5,373,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 616,000 | 1,290,000 | 1,978,000 | 2,638,000 |
| Interest expense | 165,000 | 367,000 | 597,000 | 845,000 |
| Net interest income | 451,000 | 923,000 | 1,381,000 | 1,793,000 |
| Noninterest income | 82,000 | 197,000 | 344,000 | 448,000 |
| Noninterest expense | 403,000 | 805,000 | 1,193,000 | 1,460,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 116,000 | 275,000 | 493,000 | 743,000 |
| Income tax | -15,000 | 102,000 | 135,000 | 159,000 |
| Net income | 131,000 | 173,000 | 358,000 | 584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,434,000 | 5,646,000 | 5,729,000 | 5,672,000 |
| Total capital | 5,765,000 | 6,001,000 | 6,069,000 | 6,016,000 |
| Risk-weighted assets | 26,245,000 | 28,160,000 | 26,978,000 | 27,393,000 |