Call reports 2003
FIRST STATE BANK OF BOURBON, INDIANA, THE — 2003
What FIRST STATE BANK OF BOURBON, INDIANA, THE 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 | 83,604,000 | 82,880,000 | 80,863,000 | 84,067,000 |
| Total loans | 33,911,000 | 34,463,000 | 35,027,000 | 34,392,000 |
| Allowance for loan losses | 1,405,000 | 1,349,000 | 1,303,000 | 1,248,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 42,155,000 | 42,156,000 | 38,809,000 | 38,835,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,302,000 | 59,269,000 | 57,026,000 | 60,147,000 |
| Interest-bearing deposits | 54,009,000 | 52,436,000 | 50,164,000 | 53,611,000 |
| Noninterest-bearing deposits | 6,292,000 | 6,833,000 | 6,861,000 | 6,536,000 |
| Equity capital | 22,781,000 | 23,105,000 | 23,363,000 | 23,511,000 |
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 | 1,095,000 | 2,182,000 | 3,105,000 | 4,074,000 |
| Interest expense | 277,000 | 535,000 | 767,000 | 981,000 |
| Net interest income | 818,000 | 1,647,000 | 2,338,000 | 3,093,000 |
| Noninterest income | 33,000 | 82,000 | 122,000 | 161,000 |
| Noninterest expense | 385,000 | 847,000 | 1,276,000 | 1,924,000 |
| Provision for loan losses | -65,000 | -115,000 | -160,000 | -215,000 |
| Pretax income | 531,000 | 997,000 | 1,344,000 | 1,545,000 |
| Income tax | 161,000 | 302,000 | 392,000 | 445,000 |
| Net income | 370,000 | 695,000 | 952,000 | 1,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,781,000 | 23,105,000 | 23,363,000 | 23,511,000 |
| Total capital | 23,208,000 | 23,539,000 | 23,793,000 | 23,941,000 |
| Risk-weighted assets | 33,276,000 | 33,859,000 | 33,595,000 | 33,641,000 |