Call reports 2007
INDEPENDENT NATIONAL BANK — 2007
What INDEPENDENT NATIONAL 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 | 214,004,000 | 216,107,000 | 218,669,000 | 213,702,000 |
| Total loans | 157,245,000 | 161,064,000 | 158,048,000 | 153,981,000 |
| Allowance for loan losses | 1,896,000 | 1,880,000 | 1,918,000 | 1,887,000 |
| Securities available for sale | 42,268,000 | 37,218,000 | 39,814,000 | 41,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,643,000 | 185,639,000 | 188,045,000 | 183,628,000 |
| Interest-bearing deposits | 159,749,000 | 165,393,000 | 165,798,000 | 165,014,000 |
| Noninterest-bearing deposits | 20,895,000 | 20,245,000 | 22,248,000 | 18,614,000 |
| Equity capital | 16,313,000 | 16,181,000 | 16,582,000 | 17,165,000 |
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 | 3,367,000 | 6,761,000 | 10,342,000 | 13,753,000 |
| Interest expense | 1,673,000 | 3,413,000 | 5,222,000 | 6,952,000 |
| Net interest income | 1,694,000 | 3,348,000 | 5,120,000 | 6,801,000 |
| Noninterest income | 232,000 | 489,000 | 749,000 | 1,124,000 |
| Noninterest expense | 1,580,000 | 3,207,000 | 4,888,000 | 6,588,000 |
| Provision for loan losses | 0 | 181,000 | 215,000 | 187,000 |
| Pretax income | 346,000 | 451,000 | 768,000 | 1,152,000 |
| Income tax | 62,000 | 59,000 | 123,000 | 205,000 |
| Net income | 284,000 | 392,000 | 645,000 | 947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,567,000 | 16,674,000 | 16,927,000 | 17,228,000 |
| Total capital | 18,463,000 | 18,554,000 | 18,845,000 | 19,115,000 |
| Risk-weighted assets | 158,567,000 | 164,381,000 | 163,313,000 | 157,495,000 |