Call reports 2005
INDEPENDENT BANKERS' BANK — 2005
What INDEPENDENT BANKERS' BANK 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 | 427,717,000 | 453,414,000 | 464,602,000 | 497,274,000 |
| Total loans | 147,707,000 | 149,703,000 | 158,162,000 | 180,359,000 |
| Allowance for loan losses | 3,030,000 | 3,060,000 | 3,090,000 | 3,120,000 |
| Securities available for sale | 227,351,000 | 232,900,000 | 253,167,000 | 258,122,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,025,000 | 285,118,000 | 281,479,000 | 286,040,000 |
| Interest-bearing deposits | 161,293,000 | 197,168,000 | 200,379,000 | 209,085,000 |
| Noninterest-bearing deposits | 111,732,000 | 87,950,000 | 81,100,000 | 76,955,000 |
| Equity capital | 36,552,000 | 37,708,000 | 38,171,000 | 38,912,000 |
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 | 4,785,000 | 10,091,000 | 16,013,000 | 22,289,000 |
| Interest expense | 2,099,000 | 4,646,000 | 7,704,000 | 11,003,000 |
| Net interest income | 2,686,000 | 5,445,000 | 8,309,000 | 11,286,000 |
| Noninterest income | 1,795,000 | 3,476,000 | 5,245,000 | 6,994,000 |
| Noninterest expense | 3,354,000 | 6,620,000 | 10,030,000 | 13,260,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,101,000 | 2,278,000 | 3,471,000 | 4,937,000 |
| Income tax | 194,000 | 430,000 | 689,000 | 1,057,000 |
| Net income | 907,000 | 1,848,000 | 2,782,000 | 3,880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,405,000 | 36,346,000 | 37,281,000 | 38,380,000 |
| Total capital | 38,435,000 | 39,406,000 | 40,371,000 | 41,500,000 |
| Risk-weighted assets | 300,607,000 | 300,213,000 | 311,114,000 | 348,825,000 |