Call reports 2007
INDIANA COMMUNITY BANK — 2007
What INDIANA COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 75,827,000 | 82,962,000 | 85,832,000 | 93,657,000 |
| Total loans | 64,534,000 | 67,925,000 | 70,146,000 | 71,370,000 |
| Allowance for loan losses | 879,000 | 819,000 | 887,000 | 874,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,150,000 | 66,462,000 | 76,949,000 | 82,626,000 |
| Interest-bearing deposits | 61,358,000 | 60,365,000 | 70,339,000 | 76,244,000 |
| Noninterest-bearing deposits | 5,792,000 | 6,097,000 | 6,610,000 | 6,382,000 |
| Equity capital | 7,390,000 | 7,467,000 | 7,640,000 | 7,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,394,000 | 2,752,000 | 4,207,000 | 5,759,000 |
| Interest expense | 677,000 | 1,342,000 | 2,088,000 | 2,951,000 |
| Net interest income | 717,000 | 1,410,000 | 2,119,000 | 2,808,000 |
| Noninterest income | 93,000 | 197,000 | 283,000 | 369,000 |
| Noninterest expense | 556,000 | 1,131,000 | 1,714,000 | 2,265,000 |
| Provision for loan losses | 20,000 | 110,000 | 131,000 | 181,000 |
| Pretax income | 234,000 | 366,000 | 557,000 | 731,000 |
| Income tax | 95,000 | 150,000 | 228,000 | 300,000 |
| Net income | 139,000 | 216,000 | 329,000 | 431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,983,000 | 6,060,000 | 6,233,000 | 6,335,000 |
| Total capital | 6,806,000 | 6,879,000 | 7,120,000 | 7,209,000 |
| Risk-weighted assets | 65,798,000 | 67,430,000 | 71,073,000 | 71,737,000 |