Call reports 2005
INDEPENDENT BANK EAST MICHIGAN — 2005
What INDEPENDENT BANK EAST MICHIGAN 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 | 688,100,000 | 690,822,000 | 704,866,000 | 716,842,000 |
| Total loans | 518,047,000 | 522,929,000 | 541,599,000 | 556,624,000 |
| Allowance for loan losses | 5,931,000 | 5,962,000 | 5,850,000 | 4,972,000 |
| Securities available for sale | 100,853,000 | 98,572,000 | 95,332,000 | 91,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 524,980,000 | 523,600,000 | 528,530,000 | 569,926,000 |
| Interest-bearing deposits | 437,348,000 | 427,923,000 | 430,949,000 | 468,242,000 |
| Noninterest-bearing deposits | 87,632,000 | 95,677,000 | 97,581,000 | 101,684,000 |
| Equity capital | 82,818,000 | 82,671,000 | 83,511,000 | 84,769,000 |
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 | 9,416,000 | 19,347,000 | 29,727,000 | 40,937,000 |
| Interest expense | 2,269,000 | 4,867,000 | 7,909,000 | 11,444,000 |
| Net interest income | 7,147,000 | 14,480,000 | 21,818,000 | 29,493,000 |
| Noninterest income | 1,411,000 | 2,808,000 | 4,302,000 | 5,697,000 |
| Noninterest expense | 5,547,000 | 11,050,000 | 16,780,000 | 22,518,000 |
| Provision for loan losses | 363,000 | 641,000 | 852,000 | 1,255,000 |
| Pretax income | 2,628,000 | 5,477,000 | 8,368,000 | 11,297,000 |
| Income tax | 648,000 | 1,369,000 | 2,105,000 | 2,791,000 |
| Net income | 1,980,000 | 4,108,000 | 6,263,000 | 8,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,582,000 | 49,670,000 | 51,232,000 | 53,634,000 |
| Total capital | 56,039,000 | 56,188,000 | 57,666,000 | 59,237,000 |
| Risk-weighted assets | 528,295,000 | 531,776,000 | 546,064,000 | 558,378,000 |
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