Call reports 2007
FIRST STATE BANK OF BOURBON, INDIANA, THE — 2007
What FIRST STATE BANK OF BOURBON, INDIANA, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 77,347,000 | 78,129,000 | 78,031,000 | 78,995,000 |
| Total loans | 39,952,000 | 40,529,000 | 40,511,000 | 41,398,000 |
| Allowance for loan losses | 671,000 | 646,000 | 648,000 | 648,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,533,000 | 22,520,000 | 22,434,000 | 22,427,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,134,000 | 51,655,000 | 51,541,000 | 52,372,000 |
| Interest-bearing deposits | 45,445,000 | 45,972,000 | 45,647,000 | 46,351,000 |
| Noninterest-bearing deposits | 5,689,000 | 5,683,000 | 5,894,000 | 6,021,000 |
| Equity capital | 24,903,000 | 25,142,000 | 25,434,000 | 25,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,062,000 | 2,166,000 | 3,282,000 | 4,394,000 |
| Interest expense | 350,000 | 703,000 | 1,067,000 | 1,424,000 |
| Net interest income | 712,000 | 1,463,000 | 2,215,000 | 2,970,000 |
| Noninterest income | 26,000 | 74,000 | 121,000 | 158,000 |
| Noninterest expense | 414,000 | 853,000 | 1,277,000 | 2,037,000 |
| Provision for loan losses | -25,000 | -50,000 | -50,000 | -50,000 |
| Pretax income | 349,000 | 734,000 | 1,109,000 | 1,141,000 |
| Income tax | 109,000 | 255,000 | 337,000 | 351,000 |
| Net income | 240,000 | 479,000 | 772,000 | 790,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,903,000 | 25,142,000 | 25,434,000 | 25,453,000 |
| Total capital | 25,389,000 | 25,633,000 | 25,925,000 | 25,955,000 |
| Risk-weighted assets | 38,728,000 | 39,132,000 | 39,122,000 | 40,001,000 |