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 | 351,930,000 | 373,220,000 | 386,261,000 | 380,218,000 |
| Total loans | 291,681,000 | 314,263,000 | 318,770,000 | 307,701,000 |
| Allowance for loan losses | 3,205,000 | 3,763,000 | 4,024,000 | 4,035,000 |
| Securities available for sale | 44,860,000 | 44,027,000 | 46,632,000 | 46,230,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,625,000 | 305,011,000 | 320,637,000 | 319,783,000 |
| Interest-bearing deposits | 252,369,000 | 265,141,000 | 279,808,000 | 272,542,000 |
| Noninterest-bearing deposits | 39,256,000 | 39,870,000 | 40,829,000 | 47,241,000 |
| Equity capital | 39,479,000 | 40,522,000 | 43,013,000 | 44,917,000 |
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 | 5,457,000 | 11,057,000 | 16,968,000 | 22,764,000 |
| Interest expense | 1,677,000 | 3,073,000 | 4,347,000 | 5,649,000 |
| Net interest income | 3,780,000 | 7,984,000 | 12,621,000 | 17,115,000 |
| Noninterest income | 318,000 | 619,000 | 985,000 | 1,318,000 |
| Noninterest expense | 1,611,000 | 3,391,000 | 5,290,000 | 7,085,000 |
| Provision for loan losses | 202,000 | 853,000 | 1,339,000 | 1,521,000 |
| Pretax income | 2,332,000 | 4,460,000 | 7,343,000 | 10,197,000 |
| Income tax | 872,000 | 1,840,000 | 2,907,000 | 3,654,000 |
| Net income | 1,460,000 | 2,620,000 | 4,436,000 | 6,543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,300,000 | 39,380,000 | 41,196,000 | 43,303,000 |
| Total capital | 41,505,000 | 43,143,000 | 45,220,000 | 47,338,000 |
| Risk-weighted assets | 309,911,000 | 332,336,000 | 341,290,000 | 329,997,000 |
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