Call reports 2005
INDIANA BANK AND TRUST COMPANY — 2005
What INDIANA BANK AND TRUST COMPANY 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 | 864,657,000 | 848,046,000 | 854,066,000 | 849,873,000 |
| Total loans | 630,029,000 | 627,427,000 | 625,065,000 | 620,236,000 |
| Allowance for loan losses | 7,863,000 | 6,847,000 | 6,900,000 | 6,753,000 |
| Securities available for sale | 132,918,000 | 131,575,000 | 128,225,000 | 123,275,000 |
| Securities held to maturity | 1,432,000 | 1,429,000 | 1,710,000 | 1,706,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 656,663,000 | 644,949,000 | 665,785,000 | 672,992,000 |
| Interest-bearing deposits | 582,052,000 | 572,868,000 | 590,850,000 | 591,045,000 |
| Noninterest-bearing deposits | 74,611,000 | 72,081,000 | 74,935,000 | 81,947,000 |
| Equity capital | 84,277,000 | 84,749,000 | 82,737,000 | 82,847,000 |
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 | 11,052,000 | 22,491,000 | 34,279,000 | 46,161,000 |
| Interest expense | 4,522,000 | 9,118,000 | 13,979,000 | 19,009,000 |
| Net interest income | 6,530,000 | 13,373,000 | 20,300,000 | 27,152,000 |
| Noninterest income | 2,081,000 | 4,240,000 | 6,494,000 | 8,810,000 |
| Noninterest expense | 6,053,000 | 12,345,000 | 18,387,000 | 24,480,000 |
| Provision for loan losses | 146,000 | 258,000 | 588,000 | 808,000 |
| Pretax income | 2,412,000 | 5,010,000 | 7,819,000 | 10,674,000 |
| Income tax | 816,000 | 1,710,000 | 2,573,000 | 3,476,000 |
| Net income | 1,596,000 | 3,300,000 | 5,246,000 | 7,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,127,000 | 84,134,000 | 82,376,000 | 82,779,000 |
| Total capital | 91,990,000 | 90,981,000 | 89,276,000 | 89,532,000 |
| Risk-weighted assets | 668,957,000 | 659,364,000 | 667,069,000 | 659,487,000 |