Call reports 2006
FIRST STATE BANK, SOUTHWEST INDIANA — 2006
What FIRST STATE BANK, SOUTHWEST INDIANA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 |
|---|---|---|
| Total assets | 112,090,000 | 110,278,000 |
| Total loans | 81,033,000 | 81,467,000 |
| Allowance for loan losses | 767,000 | 747,000 |
| Securities available for sale | 13,626,000 | 15,775,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 98,401,000 | 97,161,000 |
| Interest-bearing deposits | 87,337,000 | 87,439,000 |
| Noninterest-bearing deposits | 11,064,000 | 9,722,000 |
| Equity capital | 12,081,000 | 11,451,000 |
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 |
|---|---|---|
| Interest income | 1,673,000 | 3,396,000 |
| Interest expense | 682,000 | 1,422,000 |
| Net interest income | 991,000 | 1,974,000 |
| Noninterest income | 204,000 | 462,000 |
| Noninterest expense | 708,000 | 1,394,000 |
| Provision for loan losses | 9,000 | 29,000 |
| Pretax income | 478,000 | 1,013,000 |
| Income tax | 182,000 | 386,000 |
| Net income | 296,000 | 627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 |
|---|---|---|
| Tier 1 capital | 9,222,000 | 8,715,000 |
| Total capital | 9,989,000 | 9,462,000 |
| Risk-weighted assets | 78,720,000 | 78,683,000 |