Call reports 2003
INDEPENDENT NATIONAL BANK — 2003
What INDEPENDENT NATIONAL 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 | 136,094,000 | 141,072,000 | 145,169,000 | 153,368,000 |
| Total loans | 85,788,000 | 87,278,000 | 92,605,000 | 97,686,000 |
| Allowance for loan losses | 1,042,000 | 1,092,000 | 1,159,000 | 1,222,000 |
| Securities available for sale | 36,024,000 | 40,937,000 | 42,025,000 | 45,719,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,973,000 | 118,376,000 | 120,044,000 | 131,466,000 |
| Interest-bearing deposits | 97,503,000 | 101,382,000 | 103,162,000 | 113,321,000 |
| Noninterest-bearing deposits | 16,470,000 | 16,994,000 | 16,882,000 | 18,145,000 |
| Equity capital | 11,200,000 | 12,020,000 | 11,836,000 | 12,264,000 |
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 | 2,006,000 | 4,045,000 | 6,044,000 | 8,176,000 |
| Interest expense | 574,000 | 1,136,000 | 1,635,000 | 2,112,000 |
| Net interest income | 1,432,000 | 2,909,000 | 4,409,000 | 6,064,000 |
| Noninterest income | 242,000 | 518,000 | 758,000 | 1,005,000 |
| Noninterest expense | 1,058,000 | 2,236,000 | 3,446,000 | 4,625,000 |
| Provision for loan losses | 126,000 | 189,000 | 253,000 | 324,000 |
| Pretax income | 564,000 | 1,315,000 | 1,783,000 | 2,435,000 |
| Income tax | 167,000 | 389,000 | 507,000 | 692,000 |
| Net income | 397,000 | 926,000 | 1,276,000 | 1,743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,015,000 | 11,544,000 | 11,943,000 | 12,222,000 |
| Total capital | 12,057,000 | 12,636,000 | 13,102,000 | 13,444,000 |
| Risk-weighted assets | 91,450,000 | 94,291,000 | 101,137,000 | 106,014,000 |