Call reports 2002
INDEPENDENT BANKERS' BANK — 2002
What INDEPENDENT BANKERS' BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 265,965,000 | 317,640,000 | 315,132,000 | 338,910,000 |
| Total loans | 73,395,000 | 69,697,000 | 80,411,000 | 83,234,000 |
| Allowance for loan losses | 1,521,000 | 1,642,000 | 1,663,000 | 1,900,000 |
| Securities available for sale | 173,304,000 | 202,334,000 | 196,182,000 | 215,704,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 500,000 | 0 | 0 | 0 |
| Total deposits | 166,089,000 | 181,788,000 | 196,760,000 | 211,897,000 |
| Interest-bearing deposits | 78,200,000 | 95,544,000 | 108,573,000 | 120,022,000 |
| Noninterest-bearing deposits | 87,889,000 | 86,244,000 | 88,187,000 | 91,875,000 |
| Equity capital | 20,426,000 | 21,764,000 | 23,360,000 | 24,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,129,000 | 6,393,000 | 9,541,000 | 12,547,000 |
| Interest expense | 1,460,000 | 2,830,000 | 4,436,000 | 5,933,000 |
| Net interest income | 1,669,000 | 3,563,000 | 5,105,000 | 6,614,000 |
| Noninterest income | 1,562,000 | 3,068,000 | 4,655,000 | 6,276,000 |
| Noninterest expense | 2,124,000 | 4,414,000 | 6,846,000 | 9,191,000 |
| Provision for loan losses | 21,000 | 142,000 | 163,000 | 400,000 |
| Pretax income | 1,077,000 | 1,993,000 | 2,668,000 | 3,210,000 |
| Income tax | 289,000 | 480,000 | 361,000 | 394,000 |
| Net income | 788,000 | 1,513,000 | 2,307,000 | 2,816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,174,000 | 20,899,000 | 21,693,000 | 23,702,000 |
| Total capital | 21,695,000 | 22,541,000 | 23,356,000 | 25,602,000 |
| Risk-weighted assets | 162,461,000 | 169,911,000 | 175,503,000 | 191,436,000 |