Call reports 2002
FIRST STATE BANK, SOUTHWEST INDIANA — 2002
What FIRST STATE BANK, SOUTHWEST INDIANA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 64,169,000 | 65,984,000 | 67,818,000 | 69,887,000 |
| Total loans | 50,062,000 | 48,846,000 | 51,506,000 | 50,332,000 |
| Allowance for loan losses | 572,000 | 585,000 | 595,000 | 605,000 |
| Securities available for sale | 7,225,000 | 8,119,000 | 8,865,000 | 11,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,785,000 | 57,323,000 | 59,034,000 | 60,885,000 |
| Interest-bearing deposits | 49,313,000 | 50,599,000 | 52,178,000 | 54,444,000 |
| Noninterest-bearing deposits | 6,472,000 | 6,724,000 | 6,856,000 | 6,441,000 |
| Equity capital | 5,132,000 | 5,335,000 | 5,499,000 | 5,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,035,000 | 2,069,000 | 3,103,000 | 4,121,000 |
| Interest expense | 437,000 | 873,000 | 1,300,000 | 1,717,000 |
| Net interest income | 598,000 | 1,196,000 | 1,803,000 | 2,404,000 |
| Noninterest income | 105,000 | 238,000 | 364,000 | 493,000 |
| Noninterest expense | 491,000 | 982,000 | 1,483,000 | 1,912,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 174,000 | 377,000 | 571,000 | 835,000 |
| Income tax | 67,000 | 145,000 | 220,000 | 323,000 |
| Net income | 107,000 | 232,000 | 351,000 | 512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,591,000 | 4,738,000 | 4,928,000 | 5,039,000 |
| Total capital | 5,163,000 | 5,323,000 | 5,523,000 | 5,644,000 |
| Risk-weighted assets | 50,043,000 | 48,981,000 | 53,990,000 | 51,997,000 |