Call reports 2003
COMMUNITY STATE BANK OF SOUTHWESTERN INDIANA — 2003
What COMMUNITY STATE BANK OF SOUTHWESTERN INDIANA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 51,190,000 | 56,191,000 | 50,651,000 | 50,738,000 |
| Total loans | 28,589,000 | 28,064,000 | 28,049,000 | 27,048,000 |
| Allowance for loan losses | 580,000 | 580,000 | 581,000 | 580,000 |
| Securities available for sale | 12,107,000 | 20,394,000 | 11,961,000 | 11,918,000 |
| Securities held to maturity | 5,195,000 | 5,041,000 | 8,326,000 | 9,326,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,766,000 | 44,904,000 | 43,823,000 | 44,074,000 |
| Interest-bearing deposits | 39,685,000 | 39,688,000 | 38,974,000 | 38,382,000 |
| Noninterest-bearing deposits | 5,081,000 | 5,216,000 | 4,849,000 | 5,692,000 |
| Equity capital | 5,727,000 | 5,771,000 | 5,601,000 | 5,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 773,000 | 1,546,000 | 2,247,000 | 2,950,000 |
| Interest expense | 285,000 | 563,000 | 829,000 | 1,076,000 |
| Net interest income | 488,000 | 983,000 | 1,418,000 | 1,874,000 |
| Noninterest income | 28,000 | 58,000 | 107,000 | 172,000 |
| Noninterest expense | 342,000 | 686,000 | 1,036,000 | 1,499,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 263,000 | 479,000 | 541,000 | 599,000 |
| Income tax | 81,000 | 150,000 | 142,000 | 124,000 |
| Net income | 182,000 | 329,000 | 399,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,565,000 | 5,589,000 | 5,502,000 | 5,395,000 |
| Total capital | 5,949,000 | 5,978,000 | 5,875,000 | 5,761,000 |
| Risk-weighted assets | 30,542,000 | 30,892,000 | 29,650,000 | 29,057,000 |