Call reports 2003
INDIANA BANK AND TRUST COMPANY — 2003
What INDIANA BANK AND TRUST COMPANY 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 | 888,021,000 | 871,629,000 | 863,656,000 | 852,305,000 |
| Total loans | 647,811,000 | 661,038,000 | 645,952,000 | 644,525,000 |
| Allowance for loan losses | 7,186,000 | 7,284,000 | 7,361,000 | 7,506,000 |
| Securities available for sale | 118,421,000 | 117,266,000 | 125,282,000 | 123,563,000 |
| Securities held to maturity | 2,233,000 | 2,120,000 | 1,729,000 | 1,728,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 615,917,000 | 606,391,000 | 603,496,000 | 599,131,000 |
| Interest-bearing deposits | 548,456,000 | 534,544,000 | 535,232,000 | 533,130,000 |
| Noninterest-bearing deposits | 67,461,000 | 71,847,000 | 68,264,000 | 66,001,000 |
| Equity capital | 90,247,000 | 90,101,000 | 89,962,000 | 90,887,000 |
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 | 12,314,000 | 24,150,000 | 35,590,000 | 46,714,000 |
| Interest expense | 5,794,000 | 11,259,000 | 16,485,000 | 21,426,000 |
| Net interest income | 6,520,000 | 12,891,000 | 19,105,000 | 25,288,000 |
| Noninterest income | 3,712,000 | 6,966,000 | 11,122,000 | 13,148,000 |
| Noninterest expense | 5,042,000 | 10,361,000 | 16,087,000 | 21,384,000 |
| Provision for loan losses | 210,000 | 660,000 | 946,000 | 1,268,000 |
| Pretax income | 4,980,000 | 8,840,000 | 13,198,000 | 15,701,000 |
| Income tax | 1,847,000 | 3,271,000 | 4,811,000 | 5,408,000 |
| Net income | 3,133,000 | 5,569,000 | 8,387,000 | 10,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,241,000 | 87,899,000 | 88,442,000 | 89,233,000 |
| Total capital | 95,427,000 | 95,183,000 | 95,803,000 | 96,739,000 |
| Risk-weighted assets | 674,310,000 | 663,575,000 | 677,501,000 | 674,093,000 |