Call reports 2005
INLAND BANK AND TRUST — 2005
What INLAND BANK AND TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 211,176,000 | 235,610,000 | 249,172,000 | 260,652,000 |
| Total loans | 165,405,000 | 186,136,000 | 198,277,000 | 202,191,000 |
| Allowance for loan losses | 1,793,000 | 1,766,000 | 1,858,000 | 1,910,000 |
| Securities available for sale | 18,775,000 | 23,095,000 | 25,907,000 | 27,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,526,000 | 204,345,000 | 216,947,000 | 227,914,000 |
| Interest-bearing deposits | 159,722,000 | 178,322,000 | 189,854,000 | 201,659,000 |
| Noninterest-bearing deposits | 22,804,000 | 26,023,000 | 27,093,000 | 26,255,000 |
| Equity capital | 19,442,000 | 22,088,000 | 22,776,000 | 23,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,923,000 | 6,217,000 | 9,972,000 | 14,200,000 |
| Interest expense | 892,000 | 2,035,000 | 3,499,000 | 5,238,000 |
| Net interest income | 2,031,000 | 4,182,000 | 6,473,000 | 8,962,000 |
| Noninterest income | 178,000 | 325,000 | 521,000 | 697,000 |
| Noninterest expense | 1,479,000 | 2,973,000 | 4,466,000 | 5,915,000 |
| Provision for loan losses | 105,000 | 210,000 | 280,000 | 385,000 |
| Pretax income | 625,000 | 1,324,000 | 2,248,000 | 3,359,000 |
| Income tax | 199,000 | 423,000 | 717,000 | 1,067,000 |
| Net income | 426,000 | 901,000 | 1,531,000 | 2,292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,473,000 | 19,948,000 | 20,578,000 | 21,339,000 |
| Total capital | 19,266,000 | 21,714,000 | 22,436,000 | 23,249,000 |
| Risk-weighted assets | 176,062,000 | 202,235,000 | 211,083,000 | 214,458,000 |