Call reports 2005
INDIANA COMMUNITY BANK — 2005
What INDIANA COMMUNITY BANK 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 | 55,352,000 | 57,177,000 | 63,291,000 | 74,545,000 |
| Total loans | 50,836,000 | 52,094,000 | 53,211,000 | 53,497,000 |
| Allowance for loan losses | 673,000 | 564,000 | 608,000 | 648,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,268,000 | 44,758,000 | 55,614,000 | 66,691,000 |
| Interest-bearing deposits | 39,523,000 | 39,997,000 | 49,163,000 | 61,407,000 |
| Noninterest-bearing deposits | 4,745,000 | 4,761,000 | 6,451,000 | 5,284,000 |
| Equity capital | 6,678,000 | 6,502,000 | 6,515,000 | 6,688,000 |
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 | 821,000 | 1,703,000 | 2,674,000 | 3,760,000 |
| Interest expense | 230,000 | 503,000 | 845,000 | 1,288,000 |
| Net interest income | 591,000 | 1,200,000 | 1,829,000 | 2,472,000 |
| Noninterest income | 44,000 | 121,000 | 234,000 | 316,000 |
| Noninterest expense | 451,000 | 1,059,000 | 1,617,000 | 2,160,000 |
| Provision for loan losses | 35,000 | 325,000 | 392,000 | 529,000 |
| Pretax income | 149,000 | -63,000 | 54,000 | 99,000 |
| Income tax | 62,000 | -24,000 | 30,000 | 52,000 |
| Net income | 87,000 | -39,000 | 24,000 | 47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,271,000 | 5,095,000 | 5,108,000 | 5,281,000 |
| Total capital | 5,919,000 | 5,659,000 | 5,716,000 | 5,929,000 |
| Risk-weighted assets | 51,807,000 | 52,819,000 | 56,075,000 | 58,776,000 |