Call reports 2002
NATIONAL CITY BANK OF SOUTHERN INDIANA — 2002
What NATIONAL CITY BANK OF SOUTHERN INDIANA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 325,430,000 | 357,623,000 | 356,407,000 | 371,305,000 |
| Total loans | 236,413,000 | 256,905,000 | 274,890,000 | 268,318,000 |
| Allowance for loan losses | 2,717,000 | 2,717,000 | 2,717,000 | 2,717,000 |
| Securities available for sale | 171,000 | 173,000 | 164,000 | 163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,902,000 | 281,731,000 | 281,008,000 | 290,900,000 |
| Interest-bearing deposits | 216,852,000 | 217,088,000 | 230,752,000 | 239,154,000 |
| Noninterest-bearing deposits | 42,050,000 | 64,643,000 | 50,256,000 | 51,746,000 |
| Equity capital | 40,577,000 | 41,447,000 | 41,936,000 | 42,527,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,068,000 | 6,076,000 | 9,029,000 | 11,698,000 |
| Interest expense | 1,479,000 | 2,890,000 | 4,727,000 | 6,216,000 |
| Net interest income | 1,589,000 | 3,186,000 | 4,302,000 | 5,482,000 |
| Noninterest income | 826,000 | 1,674,000 | 2,572,000 | 3,560,000 |
| Noninterest expense | 1,177,000 | 2,283,000 | 3,518,000 | 4,731,000 |
| Provision for loan losses | 19,000 | 26,000 | 76,000 | 124,000 |
| Pretax income | 1,219,000 | 2,551,000 | 3,280,000 | 4,187,000 |
| Income tax | 425,000 | 887,000 | 1,126,000 | 1,442,000 |
| Net income | 794,000 | 1,664,000 | 2,154,000 | 2,745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,569,000 | 41,437,000 | 41,927,000 | 42,518,000 |
| Total capital | 42,546,000 | 43,449,000 | 43,856,000 | 44,433,000 |
| Risk-weighted assets | 157,422,000 | 160,294,000 | 153,534,000 | 152,399,000 |