Call reports 2003
INDIANA COMMUNITY BANK — 2003
What INDIANA COMMUNITY 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 | 39,608,000 | 44,077,000 | 46,098,000 | 46,751,000 |
| Total loans | 36,936,000 | 39,135,000 | 40,674,000 | 39,810,000 |
| Allowance for loan losses | 556,000 | 589,000 | 610,000 | 578,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,916,000 | 39,292,000 | 41,193,000 | 37,473,000 |
| Interest-bearing deposits | 33,395,000 | 36,732,000 | 38,689,000 | 35,431,000 |
| Noninterest-bearing deposits | 1,521,000 | 2,560,000 | 2,504,000 | 2,042,000 |
| Equity capital | 4,614,000 | 4,682,000 | 4,777,000 | 6,236,000 |
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 | 659,000 | 1,294,000 | 1,976,000 | 2,644,000 |
| Interest expense | 193,000 | 394,000 | 583,000 | 754,000 |
| Net interest income | 466,000 | 900,000 | 1,393,000 | 1,890,000 |
| Noninterest income | 91,000 | 163,000 | 237,000 | 299,000 |
| Noninterest expense | 352,000 | 720,000 | 1,104,000 | 1,468,000 |
| Provision for loan losses | 24,000 | 57,000 | 94,000 | 129,000 |
| Pretax income | 181,000 | 286,000 | 432,000 | 592,000 |
| Income tax | 62,000 | 99,000 | 150,000 | 206,000 |
| Net income | 119,000 | 187,000 | 282,000 | 386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,428,000 | 4,517,000 | 4,612,000 | 4,677,000 |
| Total capital | 4,901,000 | 5,028,000 | 5,144,000 | 5,195,000 |
| Risk-weighted assets | 37,767,000 | 40,834,000 | 42,452,000 | 41,408,000 |