Call reports 2009
INDEPENDENCE BANK — 2009
What INDEPENDENCE 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 | 152,053,000 | 152,370,000 | 154,623,000 | 148,769,000 |
| Total loans | 116,651,000 | 115,951,000 | 115,608,000 | 117,126,000 |
| Allowance for loan losses | 3,850,000 | 3,725,000 | 4,075,000 | 4,000,000 |
| Securities available for sale | 24,713,000 | 28,693,000 | 26,274,000 | 25,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,489,000 | 134,176,000 | 136,414,000 | 130,420,000 |
| Interest-bearing deposits | 112,667,000 | 112,581,000 | 114,208,000 | 104,040,000 |
| Noninterest-bearing deposits | 21,822,000 | 21,595,000 | 22,206,000 | 26,380,000 |
| Equity capital | 16,834,000 | 17,088,000 | 17,551,000 | 17,702,000 |
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 | 2,026,000 | 3,997,000 | 5,971,000 | 7,875,000 |
| Interest expense | 459,000 | 895,000 | 1,326,000 | 1,726,000 |
| Net interest income | 1,567,000 | 3,102,000 | 4,645,000 | 6,149,000 |
| Noninterest income | 70,000 | 137,000 | 202,000 | 264,000 |
| Noninterest expense | 767,000 | 1,612,000 | 2,547,000 | 3,718,000 |
| Provision for loan losses | 489,000 | 1,000,000 | 1,205,000 | 1,354,000 |
| Pretax income | 450,000 | 887,000 | 1,200,000 | 1,431,000 |
| Income tax | 150,000 | 285,000 | 360,000 | 420,000 |
| Net income | 300,000 | 602,000 | 840,000 | 1,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,823,000 | 17,124,000 | 17,324,000 | 17,531,000 |
| Total capital | 18,432,000 | 18,765,000 | 19,012,000 | 19,203,000 |
| Risk-weighted assets | 126,451,000 | 129,539,000 | 132,692,000 | 132,137,000 |
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