Call reports 2004
FIRST STATE BANK OF BOURBON, INDIANA, THE — 2004
What FIRST STATE BANK OF BOURBON, INDIANA, THE 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 | 80,400,000 | 83,598,000 | 81,147,000 | 81,882,000 |
| Total loans | 34,335,000 | 34,270,000 | 34,449,000 | 34,300,000 |
| Allowance for loan losses | 1,198,000 | 1,148,000 | 1,097,000 | 1,046,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 38,608,000 | 38,598,000 | 39,517,000 | 39,531,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,391,000 | 59,137,000 | 56,308,000 | 57,081,000 |
| Interest-bearing deposits | 50,375,000 | 53,157,000 | 50,201,000 | 50,063,000 |
| Noninterest-bearing deposits | 6,016,000 | 5,980,000 | 6,107,000 | 7,018,000 |
| Equity capital | 23,516,000 | 23,793,000 | 24,068,000 | 24,131,000 |
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 | 948,000 | 1,889,000 | 2,847,000 | 3,806,000 |
| Interest expense | 199,000 | 393,000 | 591,000 | 791,000 |
| Net interest income | 749,000 | 1,496,000 | 2,256,000 | 3,015,000 |
| Noninterest income | 27,000 | 59,000 | 89,000 | 119,000 |
| Noninterest expense | 405,000 | 842,000 | 1,248,000 | 2,021,000 |
| Provision for loan losses | -150,000 | -210,000 | -250,000 | -290,000 |
| Pretax income | 521,000 | 923,000 | 1,347,000 | 1,403,000 |
| Income tax | 167,000 | 292,000 | 440,000 | 433,000 |
| Net income | 354,000 | 631,000 | 907,000 | 970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,516,000 | 23,793,000 | 24,068,000 | 24,131,000 |
| Total capital | 23,932,000 | 24,215,000 | 24,480,000 | 24,543,000 |
| Risk-weighted assets | 32,615,000 | 33,029,000 | 32,267,000 | 32,326,000 |