Call reports 2004
MERCANTILE NATIONAL BANK OF INDIANA — 2004
What MERCANTILE NATIONAL BANK OF INDIANA 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 | 761,187,000 | 780,587,000 | 785,696,000 | 825,481,000 |
| Total loans | 535,294,000 | 549,759,000 | 560,839,000 | 507,071,000 |
| Allowance for loan losses | 6,160,000 | 5,083,000 | 4,710,000 | 5,729,000 |
| Securities available for sale | 120,143,000 | 116,314,000 | 117,553,000 | 128,287,000 |
| Securities held to maturity | 20,734,000 | 19,140,000 | 18,891,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 609,849,000 | 634,594,000 | 638,164,000 | 604,543,000 |
| Interest-bearing deposits | 545,903,000 | 573,050,000 | 589,541,000 | 462,948,000 |
| Noninterest-bearing deposits | 63,946,000 | 61,544,000 | 48,623,000 | 141,595,000 |
| Equity capital | 70,846,000 | 67,541,000 | 69,165,000 | 127,356,000 |
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 | 8,625,000 | 17,444,000 | 26,655,000 | 0 |
| Interest expense | 2,184,000 | 4,376,000 | 6,828,000 | 0 |
| Net interest income | 6,441,000 | 13,068,000 | 19,827,000 | 0 |
| Noninterest income | 3,246,000 | 6,466,000 | 9,815,000 | 0 |
| Noninterest expense | 6,961,000 | 14,376,000 | 21,721,000 | 0 |
| Provision for loan losses | 525,000 | 4,251,000 | 4,776,000 | 0 |
| Pretax income | 2,209,000 | 976,000 | 3,214,000 | 0 |
| Income tax | 758,000 | 166,000 | 920,000 | 0 |
| Net income | 1,451,000 | 810,000 | 2,294,000 | 0 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,888,000 | 67,794,000 | 68,562,000 | 64,501,000 |
| Total capital | 75,292,000 | 73,115,000 | 73,527,000 | 70,230,000 |
| Risk-weighted assets | 603,245,000 | 614,159,000 | 610,724,000 | 594,989,000 |