Call reports 2003
INLAND BANK AND TRUST — 2003
What INLAND BANK AND TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 131,573,000 | 132,077,000 | 138,676,000 | 156,202,000 |
| Total loans | 94,737,000 | 97,637,000 | 100,386,000 | 119,218,000 |
| Allowance for loan losses | 1,026,000 | 1,040,000 | 1,068,000 | 1,173,000 |
| Securities available for sale | 16,665,000 | 15,423,000 | 17,835,000 | 16,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,827,000 | 105,360,000 | 109,914,000 | 129,871,000 |
| Interest-bearing deposits | 92,334,000 | 82,012,000 | 90,461,000 | 109,359,000 |
| Noninterest-bearing deposits | 17,493,000 | 23,348,000 | 19,453,000 | 20,512,000 |
| Equity capital | 12,689,000 | 12,848,000 | 12,832,000 | 17,051,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,721,000 | 3,360,000 | 4,991,000 | 6,874,000 |
| Interest expense | 515,000 | 999,000 | 1,421,000 | 1,898,000 |
| Net interest income | 1,206,000 | 2,361,000 | 3,570,000 | 4,976,000 |
| Noninterest income | 179,000 | 347,000 | 601,000 | 789,000 |
| Noninterest expense | 1,072,000 | 2,133,000 | 3,284,000 | 4,463,000 |
| Provision for loan losses | 130,000 | 220,000 | 310,000 | 470,000 |
| Pretax income | 430,000 | 711,000 | 938,000 | 1,170,000 |
| Income tax | 138,000 | 226,000 | 295,000 | 368,000 |
| Net income | 292,000 | 485,000 | 643,000 | 802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,412,000 | 10,605,000 | 10,763,000 | 14,922,000 |
| Total capital | 11,438,000 | 11,645,000 | 11,831,000 | 16,095,000 |
| Risk-weighted assets | 105,201,000 | 108,693,000 | 113,351,000 | 132,193,000 |