Call reports 2005
INDEPENDENT CORRESPONDENT BANKERS' BANK, INC. — 2005
What INDEPENDENT CORRESPONDENT BANKERS' BANK, INC. 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 | 45,400,000 | 43,448,000 | 43,640,000 | 41,445,000 |
| Total loans | 33,218,000 | 34,874,000 | 35,680,000 | 34,890,000 |
| Allowance for loan losses | 433,000 | 442,000 | 451,000 | 460,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,648,000 | 19,034,000 | 14,052,000 | 12,707,000 |
| Interest-bearing deposits | 100,000 | 100,000 | 100,000 | 100,000 |
| Noninterest-bearing deposits | 17,548,000 | 18,933,000 | 13,952,000 | 12,607,000 |
| Equity capital | 6,511,000 | 6,618,000 | 6,729,000 | 6,863,000 |
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 | 546,000 | 1,062,000 | 1,615,000 | 2,232,000 |
| Interest expense | 135,000 | 314,000 | 516,000 | 741,000 |
| Net interest income | 411,000 | 748,000 | 1,099,000 | 1,491,000 |
| Noninterest income | 1,099,000 | 2,266,000 | 3,441,000 | 4,650,000 |
| Noninterest expense | 1,263,000 | 2,578,000 | 3,905,000 | 5,272,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 238,000 | 418,000 | 608,000 | 833,000 |
| Income tax | 97,000 | 170,000 | 249,000 | 340,000 |
| Net income | 141,000 | 248,000 | 359,000 | 493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,511,000 | 6,618,000 | 6,729,000 | 6,863,000 |
| Total capital | 6,944,000 | 7,060,000 | 7,180,000 | 7,323,000 |
| Risk-weighted assets | 35,023,000 | 37,421,000 | 38,462,000 | 41,286,000 |