Call reports 2006
INDEPENDENT NATIONAL BANK — 2006
What INDEPENDENT NATIONAL 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 | 201,968,000 | 205,344,000 | 210,625,000 | 214,445,000 |
| Total loans | 151,666,000 | 151,046,000 | 150,925,000 | 151,886,000 |
| Allowance for loan losses | 1,900,000 | 1,912,000 | 1,888,000 | 1,899,000 |
| Securities available for sale | 32,765,000 | 32,741,000 | 41,224,000 | 40,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,157,000 | 171,713,000 | 177,439,000 | 184,387,000 |
| Interest-bearing deposits | 144,751,000 | 146,604,000 | 153,567,000 | 160,439,000 |
| Noninterest-bearing deposits | 24,406,000 | 25,108,000 | 23,872,000 | 23,948,000 |
| Equity capital | 16,296,000 | 16,714,000 | 15,791,000 | 15,923,000 |
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 | 3,041,000 | 6,272,000 | 9,615,000 | 12,994,000 |
| Interest expense | 1,090,000 | 2,335,000 | 3,890,000 | 5,519,000 |
| Net interest income | 1,951,000 | 3,937,000 | 5,725,000 | 7,475,000 |
| Noninterest income | 238,000 | 490,000 | 728,000 | 980,000 |
| Noninterest expense | 1,286,000 | 2,768,000 | 4,372,000 | 5,899,000 |
| Provision for loan losses | 23,000 | 28,000 | 41,000 | 58,000 |
| Pretax income | 880,000 | 1,631,000 | 2,040,000 | 2,498,000 |
| Income tax | 306,000 | 561,000 | 682,000 | 815,000 |
| Net income | 574,000 | 1,070,000 | 1,358,000 | 1,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,854,000 | 17,324,000 | 16,106,000 | 16,282,000 |
| Total capital | 18,754,000 | 19,006,000 | 17,994,000 | 18,181,000 |
| Risk-weighted assets | 154,033,000 | 134,352,000 | 153,561,000 | 155,532,000 |