Call reports 2008
FIRST STATE BANK OF BOURBON, INDIANA, THE — 2008
What FIRST STATE BANK OF BOURBON, INDIANA, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 78,443,000 | 79,176,000 | 80,969,000 | 79,488,000 |
| Total loans | 41,006,000 | 41,412,000 | 41,731,000 | 41,040,000 |
| Allowance for loan losses | 638,000 | 638,000 | 636,000 | 706,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,057,000 | 23,464,000 | 24,369,000 | 31,498,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,174,000 | 52,661,000 | 54,430,000 | 52,916,000 |
| Interest-bearing deposits | 46,207,000 | 46,644,000 | 48,622,000 | 47,906,000 |
| Noninterest-bearing deposits | 5,967,000 | 6,017,000 | 5,808,000 | 5,010,000 |
| Equity capital | 24,655,000 | 24,859,000 | 25,033,000 | 25,040,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,053,000 | 2,063,000 | 3,103,000 | 4,105,000 |
| Interest expense | 339,000 | 666,000 | 998,000 | 1,308,000 |
| Net interest income | 714,000 | 1,397,000 | 2,105,000 | 2,797,000 |
| Noninterest income | 30,000 | 63,000 | 97,000 | 132,000 |
| Noninterest expense | 487,000 | 928,000 | 1,396,000 | 2,034,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 257,000 | 532,000 | 806,000 | 795,000 |
| Income tax | 88,000 | 159,000 | 259,000 | 241,000 |
| Net income | 169,000 | 373,000 | 547,000 | 554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,022,000 | 25,226,000 | 25,400,000 | 25,407,000 |
| Total capital | 25,519,000 | 25,724,000 | 25,903,000 | 25,886,000 |
| Risk-weighted assets | 39,653,000 | 39,726,000 | 40,085,000 | 38,056,000 |