Call reports 2004
NATIONAL CITY BANK OF SOUTHERN INDIANA — 2004
What NATIONAL CITY BANK OF SOUTHERN INDIANA 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 | 366,144,000 | 377,534,000 | 370,866,000 | 393,643,000 |
| Total loans | 75,639,000 | 75,140,000 | 69,331,000 | 66,759,000 |
| Allowance for loan losses | 2,717,000 | 2,717,000 | 2,717,000 | 2,688,000 |
| Securities available for sale | 90,000 | 73,000 | 71,000 | 69,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,706,000 | 310,548,000 | 308,779,000 | 314,203,000 |
| Interest-bearing deposits | 266,825,000 | 260,743,000 | 262,919,000 | 268,534,000 |
| Noninterest-bearing deposits | 39,881,000 | 49,805,000 | 45,860,000 | 45,669,000 |
| Equity capital | 36,032,000 | 36,043,000 | 36,538,000 | 36,703,000 |
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 | 1,914,000 | 3,768,000 | 6,732,000 | 10,123,000 |
| Interest expense | 1,117,000 | 2,234,000 | 3,412,000 | 4,714,000 |
| Net interest income | 797,000 | 1,534,000 | 3,320,000 | 5,409,000 |
| Noninterest income | 1,023,000 | 2,066,000 | 3,055,000 | 4,081,000 |
| Noninterest expense | 1,733,000 | 3,441,000 | 5,158,000 | 6,861,000 |
| Provision for loan losses | 44,000 | 82,000 | 359,000 | 453,000 |
| Pretax income | 43,000 | 77,000 | 858,000 | 2,176,000 |
| Income tax | -5,000 | 18,000 | 304,000 | 1,457,000 |
| Net income | 48,000 | 59,000 | 554,000 | 719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,027,000 | 36,040,000 | 36,534,000 | 36,700,000 |
| Total capital | 37,735,000 | 37,774,000 | 38,196,000 | 38,394,000 |
| Risk-weighted assets | 135,641,000 | 137,725,000 | 131,940,000 | 134,489,000 |