Call reports 2004
COMMUNITY STATE BANK OF SOUTHWESTERN INDIANA — 2004
What COMMUNITY STATE BANK OF SOUTHWESTERN INDIANA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 51,438,000 | 51,841,000 | 52,949,000 | 54,133,000 |
| Total loans | 25,815,000 | 26,317,000 | 26,327,000 | 26,941,000 |
| Allowance for loan losses | 580,000 | 581,000 | 580,000 | 580,000 |
| Securities available for sale | 12,115,000 | 11,665,000 | 10,995,000 | 10,941,000 |
| Securities held to maturity | 10,204,000 | 11,210,000 | 12,690,000 | 13,386,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,026,000 | 45,540,000 | 46,509,000 | 47,138,000 |
| Interest-bearing deposits | 40,034,000 | 40,332,000 | 40,927,000 | 41,326,000 |
| Noninterest-bearing deposits | 4,992,000 | 5,208,000 | 5,582,000 | 5,812,000 |
| Equity capital | 5,734,000 | 5,419,000 | 5,723,000 | 5,651,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 641,000 | 1,320,000 | 2,013,000 | 2,742,000 |
| Interest expense | 236,000 | 473,000 | 728,000 | 990,000 |
| Net interest income | 405,000 | 847,000 | 1,285,000 | 1,752,000 |
| Noninterest income | 28,000 | 56,000 | 95,000 | 161,000 |
| Noninterest expense | 344,000 | 676,000 | 1,023,000 | 1,432,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 87,000 | 227,000 | 357,000 | 487,000 |
| Income tax | 10,000 | 43,000 | 70,000 | 79,000 |
| Net income | 77,000 | 184,000 | 287,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,565,000 | 5,341,000 | 5,575,000 | 5,487,000 |
| Total capital | 5,922,000 | 5,705,000 | 5,941,000 | 5,857,000 |
| Risk-weighted assets | 28,347,000 | 28,867,000 | 29,073,000 | 29,378,000 |