Call reports 2004
FIRST STATE BANK, SOUTHWEST INDIANA — 2004
What FIRST STATE BANK, SOUTHWEST INDIANA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 71,796,000 | 74,920,000 | 76,102,000 | 77,159,000 |
| Total loans | 55,579,000 | 56,853,000 | 58,089,000 | 57,470,000 |
| Allowance for loan losses | 729,000 | 737,000 | 683,000 | 687,000 |
| Securities available for sale | 10,725,000 | 9,221,000 | 11,207,000 | 10,227,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,083,000 | 66,395,000 | 65,312,000 | 65,228,000 |
| Interest-bearing deposits | 53,357,000 | 52,959,000 | 56,882,000 | 56,033,000 |
| Noninterest-bearing deposits | 9,726,000 | 13,436,000 | 8,430,000 | 9,195,000 |
| Equity capital | 5,904,000 | 6,044,000 | 6,278,000 | 6,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 927,000 | 1,894,000 | 2,872,000 | 3,887,000 |
| Interest expense | 280,000 | 559,000 | 851,000 | 1,163,000 |
| Net interest income | 647,000 | 1,335,000 | 2,021,000 | 2,724,000 |
| Noninterest income | 135,000 | 287,000 | 456,000 | 609,000 |
| Noninterest expense | 501,000 | 970,000 | 1,462,000 | 1,913,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 236,000 | 562,000 | 880,000 | 1,240,000 |
| Income tax | 89,000 | 214,000 | 335,000 | 471,000 |
| Net income | 147,000 | 348,000 | 545,000 | 769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,324,000 | 5,527,000 | 5,724,000 | 5,949,000 |
| Total capital | 6,052,000 | 6,264,000 | 6,407,000 | 6,636,000 |
| Risk-weighted assets | 58,211,000 | 60,599,000 | 62,116,000 | 61,921,000 |