Call reports 2003
INDIAN VILLAGE COMMUNITY BANK — 2003
What INDIAN VILLAGE COMMUNITY BANK 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 | 94,741,000 | 98,438,000 | 97,335,000 | 94,879,000 |
| Total loans | 50,926,000 | 49,942,000 | 48,575,000 | 48,826,000 |
| Allowance for loan losses | 398,000 | 268,000 | 282,000 | 259,000 |
| Securities available for sale | 32,717,000 | 40,420,000 | 40,216,000 | 35,297,000 |
| Securities held to maturity | 0 | 0 | 0 | 499,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,760,000 | 56,537,000 | 56,501,000 | 57,558,000 |
| Interest-bearing deposits | 54,364,000 | 55,003,000 | 55,268,000 | 56,297,000 |
| Noninterest-bearing deposits | 1,396,000 | 1,534,000 | 1,233,000 | 1,261,000 |
| Equity capital | 7,805,000 | 7,979,000 | 7,485,000 | 7,778,000 |
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 | 1,238,000 | 2,474,000 | 3,744,000 | 5,017,000 |
| Interest expense | 824,000 | 1,628,000 | 2,409,000 | 3,168,000 |
| Net interest income | 414,000 | 846,000 | 1,335,000 | 1,849,000 |
| Noninterest income | 52,000 | 100,000 | 166,000 | 230,000 |
| Noninterest expense | 433,000 | 855,000 | 1,277,000 | 1,703,000 |
| Provision for loan losses | 65,000 | 260,000 | 290,000 | 330,000 |
| Pretax income | 95,000 | 192,000 | 326,000 | 432,000 |
| Income tax | 3,000 | -6,000 | 1,000 | 10,000 |
| Net income | 92,000 | 198,000 | 325,000 | 422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,665,000 | 7,745,000 | 7,883,000 | 7,977,000 |
| Total capital | 8,063,000 | 8,013,000 | 8,165,000 | 8,236,000 |
| Risk-weighted assets | 48,765,000 | 46,524,000 | 46,384,000 | 46,175,000 |