Call reports 2003
NATIONAL CITY BANK OF SOUTHERN INDIANA — 2003
What NATIONAL CITY BANK OF SOUTHERN INDIANA 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 | 364,709,000 | 356,430,000 | 343,847,000 | 370,655,000 |
| Total loans | 285,120,000 | 91,215,000 | 88,189,000 | 71,570,000 |
| Allowance for loan losses | 2,717,000 | 2,717,000 | 2,717,000 | 2,717,000 |
| Securities available for sale | 141,000 | 120,000 | 92,000 | 90,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,487,000 | 280,915,000 | 279,889,000 | 303,346,000 |
| Interest-bearing deposits | 241,140,000 | 224,804,000 | 233,261,000 | 271,948,000 |
| Noninterest-bearing deposits | 47,347,000 | 56,111,000 | 46,628,000 | 31,398,000 |
| Equity capital | 42,879,000 | 43,445,000 | 43,671,000 | 35,984,000 |
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 | 2,411,000 | 4,684,000 | 6,682,000 | 8,588,000 |
| Interest expense | 1,355,000 | 2,601,000 | 3,721,000 | 4,806,000 |
| Net interest income | 1,056,000 | 2,083,000 | 2,961,000 | 3,782,000 |
| Noninterest income | 961,000 | 1,934,000 | 2,976,000 | 4,172,000 |
| Noninterest expense | 1,457,000 | 2,500,000 | 3,631,000 | 4,838,000 |
| Provision for loan losses | 50,000 | 137,000 | 584,000 | 905,000 |
| Pretax income | 510,000 | 1,380,000 | 1,722,000 | 2,211,000 |
| Income tax | 158,000 | 462,000 | 573,000 | 749,000 |
| Net income | 352,000 | 918,000 | 1,149,000 | 1,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,870,000 | 43,437,000 | 43,666,000 | 35,980,000 |
| Total capital | 44,698,000 | 45,263,000 | 45,436,000 | 37,660,000 |
| Risk-weighted assets | 145,382,000 | 145,152,000 | 140,624,000 | 133,341,000 |