Call reports 2006
INDEPENDENT BANKERS' BANK — 2006
What INDEPENDENT BANKERS' BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 484,266,000 | 482,191,000 | 522,358,000 | 489,624,000 |
| Total loans | 167,373,000 | 151,453,000 | 157,711,000 | 149,251,000 |
| Allowance for loan losses | 3,149,000 | 3,179,000 | 3,209,000 | 3,450,000 |
| Securities available for sale | 264,515,000 | 278,179,000 | 311,632,000 | 282,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,506,000 | 261,392,000 | 258,883,000 | 253,746,000 |
| Interest-bearing deposits | 201,715,000 | 196,598,000 | 201,867,000 | 189,575,000 |
| Noninterest-bearing deposits | 67,791,000 | 64,794,000 | 57,016,000 | 64,171,000 |
| Equity capital | 39,612,000 | 39,641,000 | 42,027,000 | 42,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,723,000 | 14,182,000 | 22,133,000 | 30,175,000 |
| Interest expense | 3,675,000 | 7,936,000 | 12,654,000 | 17,345,000 |
| Net interest income | 3,048,000 | 6,246,000 | 9,479,000 | 12,830,000 |
| Noninterest income | 1,871,000 | 3,923,000 | 5,929,000 | 8,084,000 |
| Noninterest expense | 3,984,000 | 8,068,000 | 12,263,000 | 16,235,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 331,000 |
| Pretax income | 905,000 | 2,036,000 | 3,067,000 | 3,635,000 |
| Income tax | 142,000 | 343,000 | 535,000 | 516,000 |
| Net income | 763,000 | 1,693,000 | 2,532,000 | 3,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,143,000 | 40,073,000 | 40,912,000 | 41,499,000 |
| Total capital | 42,292,000 | 43,252,000 | 44,121,000 | 44,949,000 |
| Risk-weighted assets | 327,077,000 | 328,998,000 | 350,873,000 | 337,147,000 |