Call reports 2006
INDEPENDENT COMMUNITY BANK — 2006
What INDEPENDENT COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 134,076,000 | 131,098,000 | 122,672,000 | 136,495,000 |
| Total loans | 109,254,000 | 108,324,000 | 107,179,000 | 110,872,000 |
| Allowance for loan losses | 1,494,000 | 1,494,000 | 1,494,000 | 1,494,000 |
| Securities available for sale | 8,246,000 | 9,969,000 | 9,977,000 | 9,831,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,334,000 | 106,619,000 | 98,591,000 | 108,712,000 |
| Interest-bearing deposits | 91,702,000 | 86,922,000 | 83,408,000 | 92,025,000 |
| Noninterest-bearing deposits | 20,632,000 | 19,697,000 | 15,183,000 | 16,687,000 |
| Equity capital | 12,691,000 | 13,242,000 | 13,897,000 | 14,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,306,000 | 4,717,000 | 7,137,000 | 9,669,000 |
| Interest expense | 815,000 | 1,729,000 | 2,679,000 | 3,738,000 |
| Net interest income | 1,491,000 | 2,988,000 | 4,458,000 | 5,931,000 |
| Noninterest income | 32,000 | 64,000 | 92,000 | 125,000 |
| Noninterest expense | 715,000 | 1,376,000 | 2,111,000 | 2,871,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 808,000 | 1,676,000 | 2,439,000 | 3,185,000 |
| Income tax | 288,000 | 599,000 | 875,000 | 1,151,000 |
| Net income | 520,000 | 1,077,000 | 1,564,000 | 2,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,912,000 | 13,510,000 | 14,046,000 | 14,629,000 |
| Total capital | 14,360,000 | 14,962,000 | 15,480,000 | 16,116,000 |
| Risk-weighted assets | 115,021,000 | 116,158,000 | 114,681,000 | 118,971,000 |