Call reports 2005
MERCHANTS BANK OF INDIANA — 2005
What MERCHANTS 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 | 89,975,000 | 93,574,000 | 101,461,000 | 96,997,000 |
| Total loans | 8,784,000 | 10,911,000 | 12,037,000 | 14,512,000 |
| Allowance for loan losses | 126,000 | 134,000 | 150,000 | 174,000 |
| Securities available for sale | 61,421,000 | 59,997,000 | 66,008,000 | 61,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,352,000 | 72,954,000 | 77,129,000 | 72,991,000 |
| Interest-bearing deposits | 55,115,000 | 71,984,000 | 75,947,000 | 71,607,000 |
| Noninterest-bearing deposits | 1,237,000 | 970,000 | 1,182,000 | 1,384,000 |
| Equity capital | 17,898,000 | 18,587,000 | 18,590,000 | 18,832,000 |
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 | 618,000 | 1,352,000 | 2,223,000 | 3,211,000 |
| Interest expense | 323,000 | 712,000 | 1,226,000 | 1,881,000 |
| Net interest income | 295,000 | 640,000 | 997,000 | 1,330,000 |
| Noninterest income | 1,233,000 | 2,492,000 | 2,993,000 | 3,634,000 |
| Noninterest expense | 538,000 | 1,035,000 | 1,532,000 | 2,176,000 |
| Provision for loan losses | 6,000 | 15,000 | 31,000 | 55,000 |
| Pretax income | 985,000 | 2,324,000 | 2,828,000 | 3,166,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 985,000 | 2,324,000 | 2,828,000 | 3,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,483,000 | 18,148,000 | 18,216,000 | 18,456,000 |
| Total capital | 17,609,000 | 18,282,000 | 18,364,000 | 18,630,000 |
| Risk-weighted assets | 32,673,000 | 35,482,000 | 37,835,000 | 38,764,000 |