Call reports 2003
INDEPENDENT BANKERS' BANK — 2003
What INDEPENDENT BANKERS' BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 367,148,000 | 363,517,000 | 414,278,000 | 418,380,000 |
| Total loans | 96,132,000 | 116,111,000 | 122,272,000 | 125,411,000 |
| Allowance for loan losses | 1,930,000 | 1,960,000 | 1,990,000 | 2,560,000 |
| Securities available for sale | 239,976,000 | 199,796,000 | 216,925,000 | 216,841,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 626,000 | 130,000 | 0 |
| Total deposits | 258,284,000 | 260,116,000 | 250,686,000 | 243,308,000 |
| Interest-bearing deposits | 150,899,000 | 106,817,000 | 141,118,000 | 129,229,000 |
| Noninterest-bearing deposits | 107,385,000 | 153,299,000 | 109,568,000 | 114,079,000 |
| Equity capital | 25,187,000 | 26,991,000 | 27,342,000 | 28,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,146,000 | 6,695,000 | 10,156,000 | 13,731,000 |
| Interest expense | 1,517,000 | 3,082,000 | 4,606,000 | 6,222,000 |
| Net interest income | 1,629,000 | 3,613,000 | 5,550,000 | 7,509,000 |
| Noninterest income | 1,941,000 | 3,729,000 | 5,566,000 | 7,038,000 |
| Noninterest expense | 2,597,000 | 5,348,000 | 7,990,000 | 10,163,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 660,000 |
| Pretax income | 943,000 | 1,951,000 | 3,053,000 | 3,237,000 |
| Income tax | 156,000 | 349,000 | 554,000 | 399,000 |
| Net income | 787,000 | 1,602,000 | 2,499,000 | 2,838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,490,000 | 25,304,000 | 26,201,000 | 26,541,000 |
| Total capital | 26,420,000 | 27,264,000 | 28,191,000 | 29,101,000 |
| Risk-weighted assets | 222,188,000 | 244,127,000 | 265,281,000 | 268,135,000 |