Call reports 2005
INDEPENDENCE BANK — 2005
What INDEPENDENCE 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 | 269,960,000 | 297,560,000 | 302,606,000 | 288,877,000 |
| Total loans | 209,216,000 | 232,380,000 | 236,922,000 | 222,946,000 |
| Allowance for loan losses | 2,107,000 | 2,233,000 | 2,345,000 | 2,352,000 |
| Securities available for sale | 43,154,000 | 46,023,000 | 43,691,000 | 47,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,133,000 | 251,426,000 | 262,611,000 | 236,039,000 |
| Interest-bearing deposits | 196,342,000 | 220,929,000 | 229,734,000 | 200,443,000 |
| Noninterest-bearing deposits | 28,791,000 | 30,497,000 | 32,877,000 | 35,595,000 |
| Equity capital | 30,472,000 | 30,368,000 | 31,560,000 | 32,627,000 |
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 | 4,044,000 | 8,527,000 | 13,366,000 | 18,303,000 |
| Interest expense | 1,041,000 | 2,291,000 | 3,813,000 | 5,351,000 |
| Net interest income | 3,003,000 | 6,236,000 | 9,553,000 | 12,952,000 |
| Noninterest income | 303,000 | 708,000 | 1,080,000 | 1,344,000 |
| Noninterest expense | 1,353,000 | 2,849,000 | 4,278,000 | 5,560,000 |
| Provision for loan losses | 19,000 | 134,000 | 262,000 | 285,000 |
| Pretax income | 2,071,000 | 4,098,000 | 6,232,000 | 8,461,000 |
| Income tax | 778,000 | 1,578,000 | 2,392,000 | 3,126,000 |
| Net income | 1,293,000 | 2,520,000 | 3,840,000 | 5,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,211,000 | 28,939,000 | 30,258,000 | 31,502,000 |
| Total capital | 31,318,000 | 31,172,000 | 32,603,000 | 33,854,000 |
| Risk-weighted assets | 211,670,000 | 235,291,000 | 253,073,000 | 239,740,000 |
Machine access — free, no API key
Every figure shown here about INDEPENDENCE BANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.