Call reports 2007
FIRST STATE BANK OF BEARDSTOWN — 2007
What FIRST STATE BANK OF BEARDSTOWN reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 46,758,000 | 47,013,000 | 49,377,000 | 51,403,000 |
| Total loans | 25,010,000 | 26,490,000 | 26,811,000 | 27,937,000 |
| Allowance for loan losses | 465,000 | 464,000 | 493,000 | 493,000 |
| Securities available for sale | 17,392,000 | 16,777,000 | 16,995,000 | 18,290,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,277,000 | 34,323,000 | 36,361,000 | 38,466,000 |
| Interest-bearing deposits | 27,657,000 | 26,379,000 | 28,258,000 | 29,817,000 |
| Noninterest-bearing deposits | 7,620,000 | 7,944,000 | 8,103,000 | 8,649,000 |
| Equity capital | 5,660,000 | 5,206,000 | 5,635,000 | 5,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 685,000 | 1,396,000 | 2,139,000 | 2,906,000 |
| Interest expense | 256,000 | 516,000 | 784,000 | 1,064,000 |
| Net interest income | 429,000 | 880,000 | 1,355,000 | 1,842,000 |
| Noninterest income | 93,000 | 228,000 | 340,000 | 460,000 |
| Noninterest expense | 444,000 | 911,000 | 1,335,000 | 1,791,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 78,000 | 32,000 | 385,000 | 362,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 78,000 | 32,000 | 386,000 | 363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,722,000 | 5,648,000 | 5,812,000 | 5,668,000 |
| Total capital | 6,060,000 | 6,003,000 | 6,186,000 | 6,041,000 |
| Risk-weighted assets | 26,938,000 | 28,310,000 | 29,949,000 | 29,717,000 |