Call reports 2004
INDIAN VILLAGE COMMUNITY BANK — 2004
What INDIAN VILLAGE COMMUNITY BANK 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 | 98,201,000 | 99,622,000 | 99,856,000 | 97,903,000 |
| Total loans | 51,087,000 | 54,152,000 | 57,569,000 | 59,004,000 |
| Allowance for loan losses | 290,000 | 237,000 | 212,000 | 242,000 |
| Securities available for sale | 35,265,000 | 37,288,000 | 30,571,000 | 28,957,000 |
| Securities held to maturity | 499,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,871,000 | 61,530,000 | 62,779,000 | 61,330,000 |
| Interest-bearing deposits | 58,393,000 | 58,996,000 | 60,864,000 | 59,721,000 |
| Noninterest-bearing deposits | 2,478,000 | 2,534,000 | 1,915,000 | 1,609,000 |
| Equity capital | 7,967,000 | 6,991,000 | 7,823,000 | 7,809,000 |
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 | 1,255,000 | 2,550,000 | 3,882,000 | 5,162,000 |
| Interest expense | 753,000 | 1,513,000 | 2,286,000 | 3,045,000 |
| Net interest income | 502,000 | 1,037,000 | 1,596,000 | 2,117,000 |
| Noninterest income | 54,000 | 123,000 | 189,000 | 260,000 |
| Noninterest expense | 465,000 | 952,000 | 1,455,000 | 1,926,000 |
| Provision for loan losses | 30,000 | 63,000 | 93,000 | 123,000 |
| Pretax income | 104,000 | 167,000 | 261,000 | 345,000 |
| Income tax | 10,000 | 7,000 | 14,000 | 11,000 |
| Net income | 94,000 | 160,000 | 247,000 | 334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,008,000 | 8,041,000 | 8,094,000 | 8,144,000 |
| Total capital | 8,298,000 | 8,278,000 | 8,306,000 | 8,386,000 |
| Risk-weighted assets | 48,380,000 | 51,005,000 | 52,171,000 | 53,831,000 |