Call reports 2004
INDEPENDENT NATIONAL BANK — 2004
What INDEPENDENT NATIONAL 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 | 167,736,000 | 168,411,000 | 172,920,000 | 174,536,000 |
| Total loans | 112,152,000 | 114,456,000 | 121,747,000 | 125,135,000 |
| Allowance for loan losses | 1,403,000 | 1,446,000 | 1,487,000 | 1,566,000 |
| Securities available for sale | 44,329,000 | 42,882,000 | 37,497,000 | 40,396,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,141,000 | 146,286,000 | 149,599,000 | 148,762,000 |
| Interest-bearing deposits | 125,791,000 | 125,469,000 | 128,035,000 | 127,973,000 |
| Noninterest-bearing deposits | 19,350,000 | 20,817,000 | 21,564,000 | 20,789,000 |
| Equity capital | 13,007,000 | 12,647,000 | 13,765,000 | 13,837,000 |
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 | 2,248,000 | 4,551,000 | 6,892,000 | 9,296,000 |
| Interest expense | 553,000 | 1,145,000 | 1,748,000 | 2,363,000 |
| Net interest income | 1,695,000 | 3,406,000 | 5,144,000 | 6,933,000 |
| Noninterest income | 241,000 | 466,000 | 704,000 | 949,000 |
| Noninterest expense | 1,183,000 | 2,384,000 | 3,630,000 | 4,816,000 |
| Provision for loan losses | 182,000 | 191,000 | 273,000 | 358,000 |
| Pretax income | 651,000 | 1,379,000 | 2,035,000 | 2,797,000 |
| Income tax | 185,000 | 400,000 | 609,000 | 868,000 |
| Net income | 466,000 | 979,000 | 1,426,000 | 1,929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,738,000 | 13,321,000 | 13,848,000 | 14,079,000 |
| Total capital | 14,141,000 | 14,767,000 | 15,335,000 | 15,645,000 |
| Risk-weighted assets | 120,909,000 | 126,239,000 | 129,681,000 | 130,970,000 |