Call reports 2004
INLAND BANK AND TRUST — 2004
What INLAND BANK AND TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 162,984,000 | 173,217,000 | 197,867,000 | 208,036,000 |
| Total loans | 126,004,000 | 136,681,000 | 148,814,000 | 166,938,000 |
| Allowance for loan losses | 1,296,000 | 1,433,000 | 1,559,000 | 1,687,000 |
| Securities available for sale | 15,960,000 | 14,786,000 | 15,746,000 | 18,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,044,000 | 145,942,000 | 171,079,000 | 179,763,000 |
| Interest-bearing deposits | 112,347,000 | 119,442,000 | 142,723,000 | 154,288,000 |
| Noninterest-bearing deposits | 23,697,000 | 26,500,000 | 28,356,000 | 25,475,000 |
| Equity capital | 17,368,000 | 17,320,000 | 17,835,000 | 19,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,007,000 | 4,146,000 | 6,471,000 | 9,158,000 |
| Interest expense | 516,000 | 1,062,000 | 1,695,000 | 2,509,000 |
| Net interest income | 1,491,000 | 3,084,000 | 4,776,000 | 6,649,000 |
| Noninterest income | 195,000 | 378,000 | 567,000 | 756,000 |
| Noninterest expense | 1,220,000 | 2,435,000 | 3,757,000 | 5,179,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 540,000 |
| Pretax income | 326,000 | 752,000 | 1,176,000 | 1,681,000 |
| Income tax | 105,000 | 251,000 | 394,000 | 557,000 |
| Net income | 221,000 | 501,000 | 782,000 | 1,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,144,000 | 15,424,000 | 15,705,000 | 17,046,000 |
| Total capital | 16,440,000 | 16,857,000 | 17,264,000 | 18,733,000 |
| Risk-weighted assets | 137,288,000 | 146,411,000 | 160,845,000 | 174,942,000 |