Call reports 2009
FIRST STATE BANK OF BOURBON, INDIANA, THE — 2009
What FIRST STATE BANK OF BOURBON, INDIANA, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 81,265,000 | 80,791,000 | 81,557,000 | 82,466,000 |
| Total loans | 39,462,000 | 39,140,000 | 38,769,000 | 38,116,000 |
| Allowance for loan losses | 487,000 | 618,000 | 615,000 | 841,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 32,953,000 | 34,400,000 | 34,461,000 | 35,032,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,008,000 | 54,336,000 | 54,895,000 | 55,588,000 |
| Interest-bearing deposits | 49,397,000 | 49,002,000 | 49,855,000 | 50,070,000 |
| Noninterest-bearing deposits | 5,611,000 | 5,334,000 | 5,040,000 | 5,518,000 |
| Equity capital | 24,655,000 | 24,768,000 | 24,974,000 | 24,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 987,000 | 1,941,000 | 2,847,000 | 3,775,000 |
| Interest expense | 257,000 | 438,000 | 605,000 | 767,000 |
| Net interest income | 730,000 | 1,503,000 | 2,242,000 | 3,008,000 |
| Noninterest income | 34,000 | 70,000 | 106,000 | 140,000 |
| Noninterest expense | 448,000 | 944,000 | 1,374,000 | 2,090,000 |
| Provision for loan losses | 100,000 | 250,000 | 300,000 | 400,000 |
| Pretax income | 216,000 | 379,000 | 674,000 | 658,000 |
| Income tax | 51,000 | 101,000 | 190,000 | 177,000 |
| Net income | 165,000 | 278,000 | 484,000 | 481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,172,000 | 25,285,000 | 25,491,000 | 25,488,000 |
| Total capital | 25,637,000 | 25,748,000 | 25,956,000 | 25,957,000 |
| Risk-weighted assets | 37,245,000 | 36,875,000 | 37,027,000 | 36,944,000 |