Call reports 2005
INDEPENDENT NATIONAL BANK — 2005
What INDEPENDENT NATIONAL 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 | 184,343,000 | 190,901,000 | 199,726,000 | 197,624,000 |
| Total loans | 134,573,000 | 143,456,000 | 148,863,000 | 146,411,000 |
| Allowance for loan losses | 1,684,000 | 1,795,000 | 1,863,000 | 1,877,000 |
| Securities available for sale | 38,565,000 | 33,018,000 | 35,829,000 | 34,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,680,000 | 160,165,000 | 167,193,000 | 165,729,000 |
| Interest-bearing deposits | 138,419,000 | 136,408,000 | 142,326,000 | 140,216,000 |
| Noninterest-bearing deposits | 22,261,000 | 23,757,000 | 24,868,000 | 25,513,000 |
| Equity capital | 14,273,000 | 14,971,000 | 15,439,000 | 15,930,000 |
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 | 2,471,000 | 5,172,000 | 8,082,000 | 11,115,000 |
| Interest expense | 698,000 | 1,488,000 | 2,401,000 | 3,411,000 |
| Net interest income | 1,773,000 | 3,684,000 | 5,681,000 | 7,704,000 |
| Noninterest income | 266,000 | 549,000 | 802,000 | 1,039,000 |
| Noninterest expense | 1,257,000 | 2,528,000 | 3,784,000 | 5,041,000 |
| Provision for loan losses | 114,000 | 220,000 | 282,000 | 297,000 |
| Pretax income | 668,000 | 1,493,000 | 2,427,000 | 3,413,000 |
| Income tax | 224,000 | 509,000 | 840,000 | 1,188,000 |
| Net income | 444,000 | 984,000 | 1,587,000 | 2,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,623,000 | 15,163,000 | 15,767,000 | 16,406,000 |
| Total capital | 16,307,000 | 16,958,000 | 17,630,000 | 18,283,000 |
| Risk-weighted assets | 141,873,000 | 149,066,000 | 154,531,000 | 159,308,000 |