Call reports 2003
INDIANA LAWRENCE BANK — 2003
What INDIANA LAWRENCE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 138,218,000 | 135,650,000 | 136,633,000 | 145,360,000 |
| Total loans | 104,214,000 | 103,800,000 | 102,808,000 | 98,766,000 |
| Allowance for loan losses | 1,565,000 | 1,484,000 | 1,554,000 | 1,412,000 |
| Securities available for sale | 16,145,000 | 14,277,000 | 12,696,000 | 15,946,000 |
| Securities held to maturity | 1,578,000 | 1,534,000 | 1,432,000 | 1,386,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,512,000 | 107,654,000 | 108,486,000 | 117,176,000 |
| Interest-bearing deposits | 94,375,000 | 92,116,000 | 93,458,000 | 99,950,000 |
| Noninterest-bearing deposits | 15,137,000 | 15,538,000 | 15,028,000 | 17,226,000 |
| Equity capital | 12,466,000 | 12,400,000 | 12,228,000 | 12,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,046,000 | 4,074,000 | 5,987,000 | 7,793,000 |
| Interest expense | 637,000 | 1,227,000 | 1,776,000 | 2,317,000 |
| Net interest income | 1,409,000 | 2,847,000 | 4,211,000 | 5,476,000 |
| Noninterest income | 485,000 | 871,000 | 1,262,000 | 1,584,000 |
| Noninterest expense | 1,273,000 | 2,511,000 | 3,808,000 | 4,955,000 |
| Provision for loan losses | 75,000 | 125,000 | 200,000 | 275,000 |
| Pretax income | 551,000 | 1,089,000 | 1,473,000 | 1,846,000 |
| Income tax | 218,000 | 415,000 | 563,000 | 695,000 |
| Net income | 333,000 | 674,000 | 910,000 | 1,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,205,000 | 12,142,000 | 11,922,000 | 12,023,000 |
| Total capital | 13,483,000 | 13,403,000 | 13,164,000 | 13,265,000 |
| Risk-weighted assets | 101,938,000 | 100,635,000 | 99,042,000 | 99,227,000 |