Call reports 2005
FIRST STATE BANK OF BOURBON, INDIANA, THE — 2005
What FIRST STATE BANK OF BOURBON, INDIANA, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 80,089,000 | 81,755,000 | 78,681,000 | 80,255,000 |
| Total loans | 34,699,000 | 35,755,000 | 37,906,000 | 39,115,000 |
| Allowance for loan losses | 997,000 | 947,000 | 897,000 | 846,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 39,763,000 | 39,764,000 | 36,681,000 | 34,225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,128,000 | 56,592,000 | 53,154,000 | 54,578,000 |
| Interest-bearing deposits | 48,626,000 | 50,820,000 | 47,754,000 | 48,904,000 |
| Noninterest-bearing deposits | 6,502,000 | 5,772,000 | 5,400,000 | 5,674,000 |
| Equity capital | 24,050,000 | 24,288,000 | 24,499,000 | 24,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 942,000 | 1,891,000 | 2,866,000 | 3,853,000 |
| Interest expense | 208,000 | 430,000 | 682,000 | 945,000 |
| Net interest income | 734,000 | 1,461,000 | 2,184,000 | 2,908,000 |
| Noninterest income | 27,000 | 58,000 | 94,000 | 123,000 |
| Noninterest expense | 379,000 | 802,000 | 1,400,000 | 2,040,000 |
| Provision for loan losses | -51,000 | -103,000 | -155,000 | -201,000 |
| Pretax income | 433,000 | 820,000 | 1,033,000 | 1,192,000 |
| Income tax | 164,000 | 313,000 | 315,000 | 351,000 |
| Net income | 269,000 | 507,000 | 718,000 | 841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,050,000 | 24,288,000 | 24,499,000 | 24,622,000 |
| Total capital | 24,462,000 | 24,711,000 | 24,941,000 | 25,081,000 |
| Risk-weighted assets | 32,362,000 | 33,386,000 | 34,888,000 | 36,321,000 |