Call reports 2005
COMMUNITY STATE BANK OF SOUTHWESTERN INDIANA — 2005
What COMMUNITY STATE BANK OF SOUTHWESTERN INDIANA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 55,896,000 | 57,051,000 | 54,656,000 | 55,815,000 |
| Total loans | 26,717,000 | 28,225,000 | 26,921,000 | 27,634,000 |
| Allowance for loan losses | 581,000 | 581,000 | 581,000 | 582,000 |
| Securities available for sale | 10,787,000 | 10,983,000 | 9,915,000 | 9,758,000 |
| Securities held to maturity | 14,186,000 | 14,187,000 | 14,037,000 | 14,038,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,434,000 | 50,271,000 | 47,948,000 | 49,020,000 |
| Interest-bearing deposits | 43,388,000 | 44,625,000 | 42,530,000 | 42,608,000 |
| Noninterest-bearing deposits | 6,046,000 | 5,646,000 | 5,418,000 | 6,412,000 |
| Equity capital | 5,681,000 | 5,766,000 | 5,833,000 | 5,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 735,000 | 1,516,000 | 2,300,000 | 3,101,000 |
| Interest expense | 266,000 | 561,000 | 867,000 | 1,170,000 |
| Net interest income | 469,000 | 955,000 | 1,433,000 | 1,931,000 |
| Noninterest income | 31,000 | 61,000 | 92,000 | 166,000 |
| Noninterest expense | 340,000 | 678,000 | 1,049,000 | 1,448,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 164,000 | 342,000 | 483,000 | 656,000 |
| Income tax | 42,000 | 94,000 | 128,000 | 156,000 |
| Net income | 122,000 | 248,000 | 355,000 | 500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,548,000 | 5,593,000 | 5,673,000 | 5,571,000 |
| Total capital | 5,923,000 | 5,984,000 | 6,050,000 | 5,960,000 |
| Risk-weighted assets | 29,765,000 | 31,069,000 | 29,925,000 | 30,906,000 |