Call reports 2004
MERCHANTS BANK OF INDIANA — 2004
What MERCHANTS 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 | 84,565,000 | 70,398,000 | 77,755,000 | 73,457,000 |
| Total loans | 5,812,000 | 5,886,000 | 6,185,000 | 10,725,000 |
| Allowance for loan losses | 114,000 | 116,000 | 117,000 | 119,000 |
| Securities available for sale | 58,520,000 | 47,092,000 | 53,200,000 | 47,169,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,341,000 | 50,587,000 | 53,406,000 | 55,099,000 |
| Interest-bearing deposits | 45,422,000 | 49,857,000 | 52,565,000 | 54,033,000 |
| Noninterest-bearing deposits | 919,000 | 730,000 | 841,000 | 1,066,000 |
| Equity capital | 17,460,000 | 15,741,000 | 16,387,000 | 17,547,000 |
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 | 546,000 | 955,000 | 1,507,000 | 2,115,000 |
| Interest expense | 179,000 | 352,000 | 567,000 | 807,000 |
| Net interest income | 367,000 | 603,000 | 940,000 | 1,308,000 |
| Noninterest income | 929,000 | 2,096,000 | 2,853,000 | 3,837,000 |
| Noninterest expense | 488,000 | 963,000 | 1,433,000 | 2,131,000 |
| Provision for loan losses | 2,000 | 4,000 | 5,000 | 7,000 |
| Pretax income | 1,292,000 | 2,534,000 | 3,695,000 | 4,947,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,292,000 | 2,534,000 | 3,695,000 | 4,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,837,000 | 15,395,000 | 15,982,000 | 17,164,000 |
| Total capital | 16,951,000 | 15,511,000 | 16,099,000 | 17,283,000 |
| Risk-weighted assets | 28,402,000 | 25,792,000 | 27,564,000 | 30,872,000 |