Call reports 2006
FIRST STATE BANK OF BOURBON, INDIANA, THE — 2006
What FIRST STATE BANK OF BOURBON, INDIANA, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 78,903,000 | 80,409,000 | 78,376,000 | 80,297,000 |
| Total loans | 38,153,000 | 38,162,000 | 38,338,000 | 38,889,000 |
| Allowance for loan losses | 809,000 | 742,000 | 715,000 | 697,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 33,981,000 | 29,732,000 | 29,518,000 | 28,520,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,178,000 | 54,767,000 | 52,300,000 | 54,141,000 |
| Interest-bearing deposits | 47,654,000 | 49,220,000 | 46,703,000 | 47,845,000 |
| Noninterest-bearing deposits | 5,524,000 | 5,547,000 | 5,597,000 | 6,296,000 |
| Equity capital | 24,526,000 | 24,682,000 | 24,925,000 | 25,013,000 |
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 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 985,000 | 1,981,000 | 3,010,000 | 4,083,000 |
| Interest expense | 295,000 | 611,000 | 946,000 | 1,295,000 |
| Net interest income | 690,000 | 1,370,000 | 2,064,000 | 2,788,000 |
| Noninterest income | 32,000 | 68,000 | 99,000 | 170,000 |
| Noninterest expense | 368,000 | 877,000 | 1,273,000 | 1,967,000 |
| Provision for loan losses | -22,000 | -22,000 | -47,000 | -67,000 |
| Pretax income | 376,000 | 583,000 | 937,000 | 1,058,000 |
| Income tax | 122,000 | 173,000 | 284,000 | 317,000 |
| Net income | 254,000 | 410,000 | 653,000 | 741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,526,000 | 24,682,000 | 24,925,000 | 25,013,000 |
| Total capital | 24,967,000 | 25,146,000 | 25,384,000 | 25,487,000 |
| Risk-weighted assets | 34,881,000 | 36,958,000 | 36,451,000 | 37,726,000 |