Call reports 2009
INDEPENDENT BANK DBA INDEPENDENT FINANCIAL — 2009
What INDEPENDENT BANK DBA INDEPENDENT FINANCIAL 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 | 849,709,000 | 838,766,000 | 866,801,000 | 905,127,000 |
| Total loans | 689,450,000 | 701,921,000 | 724,458,000 | 724,709,000 |
| Allowance for loan losses | 5,516,000 | 6,084,000 | 6,629,000 | 6,742,000 |
| Securities available for sale | 5,612,000 | 4,156,000 | 3,456,000 | 3,182,000 |
| Securities held to maturity | 38,840,000 | 41,513,000 | 43,385,000 | 40,090,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 705,038,000 | 675,498,000 | 692,628,000 | 728,787,000 |
| Interest-bearing deposits | 599,288,000 | 565,643,000 | 586,943,000 | 608,759,000 |
| Noninterest-bearing deposits | 105,750,000 | 109,855,000 | 105,685,000 | 120,028,000 |
| Equity capital | 85,016,000 | 86,470,000 | 87,929,000 | 92,574,000 |
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 | 11,860,000 | 23,946,000 | 36,397,000 | 48,742,000 |
| Interest expense | 4,129,000 | 7,872,000 | 11,222,000 | 14,392,000 |
| Net interest income | 7,731,000 | 16,074,000 | 25,175,000 | 34,350,000 |
| Noninterest income | 1,069,000 | 2,479,000 | 3,550,000 | 4,463,000 |
| Noninterest expense | 6,182,000 | 12,633,000 | 18,804,000 | 25,270,000 |
| Provision for loan losses | 1,005,000 | 1,759,000 | 2,527,000 | 3,446,000 |
| Pretax income | 1,613,000 | 4,161,000 | 7,394,000 | 10,097,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,613,000 | 4,161,000 | 7,394,000 | 10,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,377,000 | 73,098,000 | 74,607,000 | 79,358,000 |
| Total capital | 76,893,000 | 79,182,000 | 81,236,000 | 86,100,000 |
| Risk-weighted assets | 671,090,000 | 683,006,000 | 702,666,000 | 709,394,000 |
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