Call reports 2008
FIRST STATE BANK OF BEARDSTOWN — 2008
What FIRST STATE BANK OF BEARDSTOWN reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 54,198,000 | 54,425,000 | 57,324,000 | 57,037,000 |
| Total loans | 26,540,000 | 26,474,000 | 27,178,000 | 26,251,000 |
| Allowance for loan losses | 465,000 | 462,000 | 464,000 | 518,000 |
| Securities available for sale | 17,932,000 | 20,746,000 | 22,223,000 | 22,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,050,000 | 42,000,000 | 44,703,000 | 46,180,000 |
| Interest-bearing deposits | 31,295,000 | 32,313,000 | 35,723,000 | 37,441,000 |
| Noninterest-bearing deposits | 9,755,000 | 9,687,000 | 8,980,000 | 8,739,000 |
| Equity capital | 6,074,000 | 5,437,000 | 5,770,000 | 5,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 780,000 | 1,517,000 | 2,301,000 | 3,079,000 |
| Interest expense | 274,000 | 545,000 | 863,000 | 1,180,000 |
| Net interest income | 506,000 | 972,000 | 1,438,000 | 1,899,000 |
| Noninterest income | 125,000 | 275,000 | 495,000 | 689,000 |
| Noninterest expense | 473,000 | 943,000 | 1,484,000 | 2,037,000 |
| Provision for loan losses | 0 | 4,000 | 21,000 | 93,000 |
| Pretax income | 237,000 | 379,000 | 508,000 | 544,000 |
| Income tax | 4,000 | 4,000 | 4,000 | -57,000 |
| Net income | 233,000 | 375,000 | 504,000 | 601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,834,000 | 5,934,000 | 5,971,000 | 4,640,000 |
| Total capital | 6,241,000 | 6,291,000 | 6,342,000 | 5,002,000 |
| Risk-weighted assets | 32,531,000 | 28,435,000 | 29,548,000 | 28,787,000 |