Call reports 2008
COMMUNITY STATE BANK OF SOUTHWESTERN INDIANA — 2008
What COMMUNITY STATE BANK OF SOUTHWESTERN INDIANA 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 | 56,227,000 | 53,909,000 | 54,195,000 | 54,342,000 |
| Total loans | 29,767,000 | 31,929,000 | 34,399,000 | 35,787,000 |
| Allowance for loan losses | 585,000 | 585,000 | 585,000 | 585,000 |
| Securities available for sale | 9,510,000 | 10,411,000 | 8,467,000 | 8,531,000 |
| Securities held to maturity | 9,090,000 | 6,941,000 | 6,841,000 | 6,542,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,120,000 | 46,823,000 | 47,135,000 | 47,109,000 |
| Interest-bearing deposits | 43,040,000 | 40,394,000 | 40,877,000 | 40,480,000 |
| Noninterest-bearing deposits | 6,080,000 | 6,429,000 | 6,258,000 | 6,629,000 |
| Equity capital | 6,100,000 | 5,949,000 | 6,075,000 | 6,060,000 |
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 | 805,000 | 1,512,000 | 2,228,000 | 2,929,000 |
| Interest expense | 362,000 | 649,000 | 916,000 | 1,160,000 |
| Net interest income | 443,000 | 863,000 | 1,312,000 | 1,769,000 |
| Noninterest income | 37,000 | 89,000 | 143,000 | 240,000 |
| Noninterest expense | 373,000 | 764,000 | 1,150,000 | 1,585,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 81,000 | 150,000 | 267,000 | 386,000 |
| Income tax | 12,000 | 20,000 | 46,000 | 66,000 |
| Net income | 69,000 | 130,000 | 221,000 | 320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,860,000 | 5,727,000 | 5,841,000 | 5,800,000 |
| Total capital | 6,278,000 | 6,158,000 | 6,293,000 | 6,264,000 |
| Risk-weighted assets | 33,253,000 | 34,302,000 | 35,993,000 | 37,035,000 |