Call reports 2004
INDEPENDENT BANKERS' BANK — 2004
What INDEPENDENT BANKERS' BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 419,871,000 | 439,156,000 | 425,552,000 | 445,411,000 |
| Total loans | 129,712,000 | 136,280,000 | 139,258,000 | 142,139,000 |
| Allowance for loan losses | 2,590,000 | 2,620,000 | 2,650,000 | 3,000,000 |
| Securities available for sale | 242,126,000 | 235,976,000 | 215,214,000 | 232,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 250,000 |
| Total deposits | 270,493,000 | 293,379,000 | 286,207,000 | 260,382,000 |
| Interest-bearing deposits | 146,876,000 | 176,329,000 | 168,190,000 | 145,420,000 |
| Noninterest-bearing deposits | 123,617,000 | 117,050,000 | 118,017,000 | 114,962,000 |
| Equity capital | 30,353,000 | 33,792,000 | 35,634,000 | 35,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,694,000 | 7,570,000 | 11,671,000 | 16,236,000 |
| Interest expense | 1,669,000 | 3,455,000 | 5,292,000 | 7,050,000 |
| Net interest income | 2,025,000 | 4,115,000 | 6,379,000 | 9,186,000 |
| Noninterest income | 2,031,000 | 3,956,000 | 5,805,000 | 7,302,000 |
| Noninterest expense | 2,979,000 | 6,023,000 | 9,060,000 | 11,374,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 440,000 |
| Pretax income | 1,062,000 | 2,140,000 | 2,992,000 | 4,794,000 |
| Income tax | 216,000 | 435,000 | 434,000 | 835,000 |
| Net income | 846,000 | 1,705,000 | 2,558,000 | 3,959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,387,000 | 32,246,000 | 33,099,000 | 34,499,000 |
| Total capital | 29,977,000 | 34,866,000 | 35,749,000 | 37,499,000 |
| Risk-weighted assets | 280,073,000 | 291,134,000 | 286,056,000 | 299,749,000 |