Call reports 2009
INDEPENDENT BANK — 2009
What INDEPENDENT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 678,271,000 | 706,563,000 | 727,591,000 | 795,226,000 |
| Total loans | 602,895,000 | 624,038,000 | 660,357,000 | 678,918,000 |
| Allowance for loan losses | 7,113,000 | 7,309,000 | 7,536,000 | 7,897,000 |
| Securities available for sale | 39,797,000 | 37,819,000 | 35,488,000 | 32,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 547,698,000 | 581,321,000 | 590,184,000 | 649,307,000 |
| Interest-bearing deposits | 490,450,000 | 521,220,000 | 527,615,000 | 567,434,000 |
| Noninterest-bearing deposits | 57,247,000 | 60,101,000 | 62,569,000 | 81,873,000 |
| Equity capital | 59,821,000 | 60,667,000 | 62,699,000 | 64,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 9,722,000 | 19,641,000 | 30,365,000 | 41,300,000 |
| Interest expense | 3,431,000 | 6,713,000 | 10,019,000 | 13,101,000 |
| Net interest income | 6,291,000 | 12,928,000 | 20,346,000 | 28,199,000 |
| Noninterest income | 1,310,000 | 2,736,000 | 4,267,000 | 5,835,000 |
| Noninterest expense | 4,704,000 | 9,722,000 | 14,722,000 | 19,818,000 |
| Provision for loan losses | 1,677,000 | 3,264,000 | 4,855,000 | 6,580,000 |
| Pretax income | 1,220,000 | 2,678,000 | 5,048,000 | 7,649,000 |
| Income tax | 388,000 | 870,000 | 1,701,000 | 2,622,000 |
| Net income | 832,000 | 1,808,000 | 3,347,000 | 5,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,224,000 | 60,239,000 | 61,816,000 | 63,535,000 |
| Total capital | 66,337,000 | 77,548,000 | 79,352,000 | 81,432,000 |
| Risk-weighted assets | 648,150,000 | 670,565,000 | 701,921,000 | 731,856,000 |
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