Call reports 2005
NATIONAL CITY BANK OF SOUTHERN INDIANA — 2005
What NATIONAL CITY BANK OF SOUTHERN INDIANA 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 | 380,005,000 | 401,156,000 | 387,640,000 | 408,373,000 |
| Total loans | 65,145,000 | 64,465,000 | 59,757,000 | 50,846,000 |
| Allowance for loan losses | 2,688,000 | 2,688,000 | 997,000 | 599,000 |
| Securities available for sale | 47,000 | 47,000 | 46,000 | 36,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,088,000 | 334,813,000 | 324,878,000 | 339,049,000 |
| Interest-bearing deposits | 275,189,000 | 289,340,000 | 281,218,000 | 290,510,000 |
| Noninterest-bearing deposits | 43,899,000 | 45,473,000 | 43,660,000 | 48,539,000 |
| Equity capital | 37,062,000 | 36,887,000 | 38,915,000 | 39,613,000 |
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 | 3,385,000 | 6,922,000 | 10,646,000 | 14,572,000 |
| Interest expense | 1,489,000 | 3,197,000 | 5,141,000 | 7,296,000 |
| Net interest income | 1,896,000 | 3,725,000 | 5,505,000 | 7,276,000 |
| Noninterest income | 914,000 | 1,915,000 | 3,090,000 | 4,182,000 |
| Noninterest expense | 2,147,000 | 4,230,000 | 6,421,000 | 8,630,000 |
| Provision for loan losses | 64,000 | 334,000 | -1,268,000 | -1,680,000 |
| Pretax income | 599,000 | 1,076,000 | 3,442,000 | 4,508,000 |
| Income tax | 237,000 | 890,000 | 1,227,000 | 1,595,000 |
| Net income | 362,000 | 186,000 | 2,215,000 | 2,913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,060,000 | 36,885,000 | 38,914,000 | 39,612,000 |
| Total capital | 38,723,000 | 38,571,000 | 39,918,000 | 40,214,000 |
| Risk-weighted assets | 131,892,000 | 133,858,000 | 127,039,000 | 125,026,000 |