Call reports 2005
INDEPENDENT BANK DBA INDEPENDENT FINANCIAL — 2005
What INDEPENDENT BANK DBA INDEPENDENT FINANCIAL 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 | 400,958,000 | 393,416,000 | 401,439,000 | 432,819,000 |
| Total loans | 269,790,000 | 285,179,000 | 295,736,000 | 294,770,000 |
| Allowance for loan losses | 2,072,000 | 2,148,000 | 2,274,000 | 2,316,000 |
| Securities available for sale | 51,623,000 | 49,513,000 | 43,142,000 | 41,831,000 |
| Securities held to maturity | 12,062,000 | 11,804,000 | 11,553,000 | 11,378,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,329,000 | 348,032,000 | 348,532,000 | 385,172,000 |
| Interest-bearing deposits | 282,581,000 | 272,297,000 | 272,817,000 | 299,020,000 |
| Noninterest-bearing deposits | 76,748,000 | 75,735,000 | 75,715,000 | 86,152,000 |
| Equity capital | 35,398,000 | 36,317,000 | 38,635,000 | 38,190,000 |
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 | 5,381,000 | 10,927,000 | 16,757,000 | 23,045,000 |
| Interest expense | 1,552,000 | 3,241,000 | 5,155,000 | 7,368,000 |
| Net interest income | 3,829,000 | 7,686,000 | 11,602,000 | 15,677,000 |
| Noninterest income | 1,100,000 | 1,963,000 | 2,906,000 | 3,837,000 |
| Noninterest expense | 3,822,000 | 7,330,000 | 11,085,000 | 15,212,000 |
| Provision for loan losses | 125,000 | 305,000 | 550,000 | 750,000 |
| Pretax income | 982,000 | 2,014,000 | 2,854,000 | 3,533,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 982,000 | 2,014,000 | 2,854,000 | 3,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,672,000 | 25,429,000 | 27,432,000 | 27,259,000 |
| Total capital | 26,744,000 | 27,577,000 | 29,706,000 | 29,575,000 |
| Risk-weighted assets | 265,590,000 | 281,246,000 | 292,715,000 | 295,425,000 |
Machine access — free, no API key
Every figure shown here about INDEPENDENT BANK DBA INDEPENDENT FINANCIAL — 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 since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) 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.