Call reports 2007
INDEPENDENT BANK — 2007
What INDEPENDENT BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,319,334,000 | 1,288,921,000 | 3,248,452,000 | 3,268,684,000 |
| Total loans | 952,680,000 | 960,319,000 | 2,540,044,000 | 2,582,476,000 |
| Allowance for loan losses | 9,077,000 | 9,917,000 | 42,644,000 | 45,306,000 |
| Securities available for sale | 199,090,000 | 195,277,000 | 383,559,000 | 364,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,106,755,000 | 1,074,206,000 | 2,757,403,000 | 2,528,039,000 |
| Interest-bearing deposits | 1,006,569,000 | 966,339,000 | 2,421,972,000 | 2,209,346,000 |
| Noninterest-bearing deposits | 100,186,000 | 107,867,000 | 335,431,000 | 318,693,000 |
| Equity capital | 131,513,000 | 131,976,000 | 313,663,000 | 316,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 22,204,000 | 45,299,000 | 168,380,000 | 224,444,000 |
| Interest expense | 9,938,000 | 20,114,000 | 71,988,000 | 95,767,000 |
| Net interest income | 12,266,000 | 25,185,000 | 96,392,000 | 128,677,000 |
| Noninterest income | 3,014,000 | 6,907,000 | 34,399,000 | 46,044,000 |
| Noninterest expense | 9,912,000 | 20,537,000 | 85,720,000 | 114,480,000 |
| Provision for loan losses | 1,202,000 | 3,071,000 | 33,420,000 | 43,105,000 |
| Pretax income | 4,166,000 | 8,484,000 | 11,910,000 | 16,431,000 |
| Income tax | 1,117,000 | 2,141,000 | 1,041,000 | 1,788,000 |
| Net income | 3,400,000 | 6,543,000 | 11,117,000 | 15,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,646,000 | 87,632,000 | 229,880,000 | 232,656,000 |
| Total capital | 95,272,000 | 98,059,000 | 261,256,000 | 264,305,000 |
| Risk-weighted assets | 922,347,000 | 921,081,000 | 2,487,817,000 | 2,516,308,000 |
Machine access — free, no API key
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