Call reports 2006
COMMUNITY STATE BANK OF SOUTHWESTERN INDIANA — 2006
What COMMUNITY STATE BANK OF SOUTHWESTERN INDIANA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 55,511,000 | 54,766,000 | 54,203,000 | 54,963,000 |
| Total loans | 27,093,000 | 27,647,000 | 27,265,000 | 26,877,000 |
| Allowance for loan losses | 583,000 | 583,000 | 583,000 | 584,000 |
| Securities available for sale | 9,699,000 | 9,476,000 | 9,765,000 | 9,765,000 |
| Securities held to maturity | 14,039,000 | 14,040,000 | 14,041,000 | 14,042,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,832,000 | 48,088,000 | 47,388,000 | 48,005,000 |
| Interest-bearing deposits | 43,410,000 | 42,917,000 | 42,670,000 | 42,641,000 |
| Noninterest-bearing deposits | 5,422,000 | 5,171,000 | 4,718,000 | 5,364,000 |
| Equity capital | 5,799,000 | 5,618,000 | 5,913,000 | 5,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 810,000 | 1,648,000 | 2,498,000 | 3,348,000 |
| Interest expense | 337,000 | 698,000 | 1,080,000 | 1,474,000 |
| Net interest income | 473,000 | 950,000 | 1,418,000 | 1,874,000 |
| Noninterest income | 25,000 | 55,000 | 86,000 | 161,000 |
| Noninterest expense | 352,000 | 700,000 | 1,037,000 | 1,424,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 146,000 | 305,000 | 467,000 | 611,000 |
| Income tax | 36,000 | 82,000 | 124,000 | 151,000 |
| Net income | 110,000 | 223,000 | 343,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,658,000 | 5,523,000 | 5,758,000 | 5,680,000 |
| Total capital | 6,040,000 | 5,912,000 | 6,145,000 | 6,067,000 |
| Risk-weighted assets | 30,350,000 | 30,920,000 | 30,787,000 | 30,757,000 |