Call reports 2009
INDEPENDENT FARMERS BANK — 2009
What INDEPENDENT FARMERS 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 | 83,129,000 | 82,674,000 | 83,860,000 | 85,412,000 |
| Total loans | 49,021,000 | 50,739,000 | 51,882,000 | 50,282,000 |
| Allowance for loan losses | 617,000 | 615,000 | 717,000 | 738,000 |
| Securities available for sale | 29,100,000 | 27,576,000 | 27,242,000 | 26,331,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,322,000 | 69,798,000 | 71,345,000 | 73,402,000 |
| Interest-bearing deposits | 61,715,000 | 61,791,000 | 62,735,000 | 63,856,000 |
| Noninterest-bearing deposits | 8,607,000 | 8,007,000 | 8,610,000 | 9,546,000 |
| Equity capital | 7,042,000 | 7,061,000 | 7,527,000 | 7,222,000 |
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 | 1,170,000 | 2,346,000 | 3,503,000 | 4,654,000 |
| Interest expense | 437,000 | 845,000 | 1,238,000 | 1,591,000 |
| Net interest income | 733,000 | 1,501,000 | 2,265,000 | 3,063,000 |
| Noninterest income | 81,000 | 143,000 | 228,000 | 330,000 |
| Noninterest expense | 534,000 | 1,102,000 | 1,643,000 | 2,223,000 |
| Provision for loan losses | -25,000 | -1,000 | 118,000 | 173,000 |
| Pretax income | 305,000 | 543,000 | 755,000 | 1,063,000 |
| Income tax | 74,000 | 128,000 | 177,000 | 245,000 |
| Net income | 231,000 | 415,000 | 578,000 | 818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,920,000 | 7,104,000 | 7,242,000 | 7,042,000 |
| Total capital | 7,537,000 | 7,719,000 | 7,945,000 | 7,745,000 |
| Risk-weighted assets | 53,418,000 | 55,070,000 | 56,231,000 | 55,435,000 |
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