Call reports 2005
INDEPENDENT BANK — 2005
What INDEPENDENT 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 | 1,524,847,000 | 1,383,668,000 | 1,411,708,000 | 1,412,473,000 |
| Total loans | 1,136,475,000 | 1,020,805,000 | 1,047,639,000 | 1,077,459,000 |
| Allowance for loan losses | 11,717,000 | 10,319,000 | 10,212,000 | 8,206,000 |
| Securities available for sale | 260,473,000 | 238,152,000 | 233,043,000 | 215,919,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,104,469,000 | 929,863,000 | 1,037,674,000 | 1,059,180,000 |
| Interest-bearing deposits | 999,479,000 | 845,697,000 | 951,138,000 | 982,738,000 |
| Noninterest-bearing deposits | 104,990,000 | 84,166,000 | 86,536,000 | 76,442,000 |
| Equity capital | 147,411,000 | 137,605,000 | 139,548,000 | 139,890,000 |
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 | 24,989,000 | 49,311,000 | 73,288,000 | 97,762,000 |
| Interest expense | 6,737,000 | 14,046,000 | 22,119,000 | 31,075,000 |
| Net interest income | 18,252,000 | 35,265,000 | 51,169,000 | 66,687,000 |
| Noninterest income | 3,466,000 | 11,355,000 | 14,667,000 | 17,582,000 |
| Noninterest expense | 10,894,000 | 21,259,000 | 31,548,000 | 41,873,000 |
| Provision for loan losses | -32,000 | 1,316,000 | 1,562,000 | 2,144,000 |
| Pretax income | 10,839,000 | 23,921,000 | 32,577,000 | 40,371,000 |
| Income tax | 3,436,000 | 7,580,000 | 10,050,000 | 12,201,000 |
| Net income | 7,403,000 | 16,341,000 | 22,527,000 | 28,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 107,723,000 | 98,917,000 | 99,345,000 | 101,228,000 |
| Total capital | 120,455,000 | 109,751,000 | 110,099,000 | 109,959,000 |
| Risk-weighted assets | 1,141,955,000 | 1,016,028,000 | 1,037,009,000 | 1,053,523,000 |
Machine access — free, no API key
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