Call reports 2003
FIRST STATE BANK, SOUTHWEST INDIANA — 2003
What FIRST STATE BANK, SOUTHWEST INDIANA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 69,158,000 | 68,298,000 | 72,128,000 | 71,270,000 |
| Total loans | 50,033,000 | 50,838,000 | 52,365,000 | 51,694,000 |
| Allowance for loan losses | 642,000 | 647,000 | 650,000 | 682,000 |
| Securities available for sale | 9,413,000 | 11,625,000 | 10,046,000 | 11,428,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,223,000 | 60,101,000 | 64,131,000 | 61,126,000 |
| Interest-bearing deposits | 53,697,000 | 52,461,000 | 56,096,000 | 52,098,000 |
| Noninterest-bearing deposits | 7,526,000 | 7,640,000 | 8,035,000 | 9,028,000 |
| Equity capital | 5,531,000 | 5,375,000 | 5,545,000 | 5,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 966,000 | 1,912,000 | 2,839,000 | 3,763,000 |
| Interest expense | 360,000 | 702,000 | 1,021,000 | 1,325,000 |
| Net interest income | 606,000 | 1,210,000 | 1,818,000 | 2,438,000 |
| Noninterest income | 134,000 | 321,000 | 524,000 | 664,000 |
| Noninterest expense | 484,000 | 979,000 | 1,475,000 | 1,923,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 158,000 |
| Pretax income | 218,000 | 477,000 | 754,000 | 1,021,000 |
| Income tax | 85,000 | 184,000 | 288,000 | 389,000 |
| Net income | 133,000 | 293,000 | 466,000 | 632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,923,000 | 4,836,000 | 5,010,000 | 5,178,000 |
| Total capital | 5,565,000 | 5,483,000 | 5,660,000 | 5,860,000 |
| Risk-weighted assets | 52,281,000 | 54,254,000 | 55,788,000 | 55,008,000 |