Call reports 2005
MERCANTILE NATIONAL BANK OF INDIANA — 2005
What MERCANTILE NATIONAL BANK OF INDIANA 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 | 762,800,000 | 776,095,000 | 780,345,000 | 795,861,000 |
| Total loans | 529,410,000 | 530,069,000 | 547,310,000 | 564,095,000 |
| Allowance for loan losses | 6,366,000 | 7,281,000 | 7,649,000 | 7,758,000 |
| Securities available for sale | 60,523,000 | 57,828,000 | 54,600,000 | 50,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 626,156,000 | 640,131,000 | 640,594,000 | 612,011,000 |
| Interest-bearing deposits | 475,981,000 | 484,788,000 | 502,714,000 | 470,086,000 |
| Noninterest-bearing deposits | 150,175,000 | 155,343,000 | 137,880,000 | 141,925,000 |
| Equity capital | 122,329,000 | 122,970,000 | 125,814,000 | 127,296,000 |
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 | 8,550,000 | 17,735,000 | 27,449,000 | 37,459,000 |
| Interest expense | 1,733,000 | 3,757,000 | 6,169,000 | 8,913,000 |
| Net interest income | 6,817,000 | 13,978,000 | 21,280,000 | 28,546,000 |
| Noninterest income | 2,745,000 | 5,490,000 | 8,847,000 | 11,464,000 |
| Noninterest expense | 7,993,000 | 17,113,000 | 24,765,000 | 31,933,000 |
| Provision for loan losses | 525,000 | 700,000 | 700,000 | 700,000 |
| Pretax income | 1,045,000 | 1,656,000 | 4,663,000 | 7,378,000 |
| Income tax | 5,107,000 | 5,232,000 | 6,331,000 | 7,309,000 |
| Net income | -4,062,000 | -3,576,000 | -1,668,000 | 69,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,178,000 | 59,528,000 | 61,890,000 | 64,077,000 |
| Total capital | 68,544,000 | 66,809,000 | 69,489,000 | 71,656,000 |
| Risk-weighted assets | 593,004,000 | 598,510,000 | 607,898,000 | 605,351,000 |