Call reports 2001
INDEPENDENT COMMUNITY BANK — 2001
What INDEPENDENT COMMUNITY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 35,985,000 | 32,957,000 | 33,815,000 | 32,063,000 |
| Total loans | 18,753,000 | 19,010,000 | 18,363,000 | 18,444,000 |
| Allowance for loan losses | 254,000 | 210,000 | 210,000 | 210,000 |
| Securities available for sale | 7,030,000 | 4,933,000 | 8,774,000 | 10,262,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,495,000 | 28,493,000 | 29,282,000 | 23,942,000 |
| Interest-bearing deposits | 26,240,000 | 24,083,000 | 23,981,000 | 18,824,000 |
| Noninterest-bearing deposits | 5,255,000 | 4,410,000 | 5,301,000 | 5,118,000 |
| Equity capital | 4,408,000 | 4,384,000 | 4,447,000 | 4,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 596,000 | 1,196,000 | 1,757,000 | 2,283,000 |
| Interest expense | 332,000 | 630,000 | 898,000 | 1,109,000 |
| Net interest income | 264,000 | 566,000 | 859,000 | 1,174,000 |
| Noninterest income | 522,000 | 532,000 | 551,000 | 570,000 |
| Noninterest expense | 415,000 | 760,000 | 1,097,000 | 1,427,000 |
| Provision for loan losses | 50,000 | 54,000 | 54,000 | 54,000 |
| Pretax income | 325,000 | 334,000 | 337,000 | 357,000 |
| Income tax | -68,000 | -62,000 | -61,000 | -53,000 |
| Net income | 393,000 | 396,000 | 398,000 | 410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,438,000 | 3,426,000 | 3,487,000 | 3,464,000 |
| Total capital | 3,692,000 | 3,636,000 | 3,697,000 | 3,674,000 |
| Risk-weighted assets | 22,162,000 | 18,780,000 | 18,914,000 | 19,148,000 |