Call reports 2007
INDEPENDENT BANKERS' BANK — 2007
What INDEPENDENT BANKERS' BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 472,085,000 | 483,091,000 | 525,196,000 | 530,828,000 |
| Total loans | 132,616,000 | 142,094,000 | 138,242,000 | 142,065,000 |
| Allowance for loan losses | 3,480,000 | 3,510,000 | 3,540,000 | 3,170,000 |
| Securities available for sale | 299,231,000 | 293,581,000 | 333,542,000 | 325,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,177,000 | 234,379,000 | 207,236,000 | 223,552,000 |
| Interest-bearing deposits | 138,301,000 | 172,455,000 | 142,887,000 | 146,370,000 |
| Noninterest-bearing deposits | 66,876,000 | 61,924,000 | 64,349,000 | 77,182,000 |
| Equity capital | 43,750,000 | 42,907,000 | 43,449,000 | 39,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,399,000 | 14,808,000 | 22,545,000 | 30,228,000 |
| Interest expense | 4,335,000 | 8,871,000 | 13,722,000 | 18,451,000 |
| Net interest income | 3,064,000 | 5,937,000 | 8,823,000 | 11,777,000 |
| Noninterest income | 2,175,000 | 4,494,000 | 6,711,000 | 8,962,000 |
| Noninterest expense | 4,169,000 | 8,373,000 | 12,349,000 | 16,459,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,038,000 | 1,957,000 | 3,072,000 | 3,478,000 |
| Income tax | 137,000 | 254,000 | 439,000 | 388,000 |
| Net income | 901,000 | 1,703,000 | 2,633,000 | 3,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,403,000 | 43,202,000 | 44,132,000 | 44,589,000 |
| Total capital | 45,883,000 | 46,712,000 | 47,672,000 | 47,759,000 |
| Risk-weighted assets | 313,446,000 | 320,017,000 | 341,935,000 | 354,531,000 |