Call reports 2004
INDIANA COMMUNITY BANK — 2004
What INDIANA COMMUNITY BANK 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 | 48,145,000 | 49,050,000 | 52,920,000 | 54,571,000 |
| Total loans | 44,272,000 | 44,753,000 | 47,223,000 | 48,059,000 |
| Allowance for loan losses | 465,000 | 471,000 | 533,000 | 644,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,237,000 | 38,680,000 | 43,129,000 | 46,824,000 |
| Interest-bearing deposits | 34,071,000 | 34,371,000 | 38,482,000 | 41,492,000 |
| Noninterest-bearing deposits | 3,166,000 | 4,309,000 | 4,647,000 | 5,332,000 |
| Equity capital | 6,386,000 | 6,529,000 | 6,609,000 | 6,641,000 |
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 | 644,000 | 1,333,000 | 2,075,000 | 2,864,000 |
| Interest expense | 171,000 | 355,000 | 555,000 | 772,000 |
| Net interest income | 473,000 | 978,000 | 1,520,000 | 2,092,000 |
| Noninterest income | 51,000 | 190,000 | 297,000 | 355,000 |
| Noninterest expense | 394,000 | 808,000 | 1,271,000 | 1,686,000 |
| Provision for loan losses | -98,000 | -87,000 | -25,000 | 86,000 |
| Pretax income | 228,000 | 447,000 | 571,000 | 675,000 |
| Income tax | 78,000 | 154,000 | 198,000 | 270,000 |
| Net income | 150,000 | 293,000 | 373,000 | 405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,979,000 | 5,122,000 | 5,202,000 | 5,234,000 |
| Total capital | 5,444,000 | 5,593,000 | 5,735,000 | 5,856,000 |
| Risk-weighted assets | 44,937,000 | 45,523,000 | 48,251,000 | 49,717,000 |