Call reports 2009
INDEPENDENT NATIONAL BANK — 2009
What INDEPENDENT NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 212,225,000 | 208,059,000 | 198,666,000 | 168,904,000 |
| Total loans | 149,775,000 | 143,962,000 | 140,159,000 | 131,731,000 |
| Allowance for loan losses | 2,255,000 | 2,160,000 | 2,099,000 | 4,800,000 |
| Securities available for sale | 35,718,000 | 34,428,000 | 31,383,000 | 11,748,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,691,000 | 182,047,000 | 173,386,000 | 151,677,000 |
| Interest-bearing deposits | 167,317,000 | 164,573,000 | 155,900,000 | 135,721,000 |
| Noninterest-bearing deposits | 18,374,000 | 17,474,000 | 17,486,000 | 15,956,000 |
| Equity capital | 15,514,000 | 15,062,000 | 14,416,000 | 6,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,597,000 | 5,111,000 | 7,462,000 | 9,415,000 |
| Interest expense | 1,227,000 | 2,342,000 | 3,313,000 | 4,113,000 |
| Net interest income | 1,370,000 | 2,769,000 | 4,149,000 | 5,302,000 |
| Noninterest income | -90,000 | -33,000 | 127,000 | 26,000 |
| Noninterest expense | 1,654,000 | 3,482,000 | 5,264,000 | 7,235,000 |
| Provision for loan losses | 1,365,000 | 1,880,000 | 2,966,000 | 9,278,000 |
| Pretax income | -1,739,000 | -2,626,000 | -3,900,000 | -11,103,000 |
| Income tax | -750,000 | -1,154,000 | -1,432,000 | -1,199,000 |
| Net income | -989,000 | -1,472,000 | -2,468,000 | -9,904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,588,000 | 15,105,000 | 13,267,000 | 6,673,000 |
| Total capital | 17,498,000 | 16,971,000 | 15,051,000 | 8,318,000 |
| Risk-weighted assets | 152,463,000 | 148,966,000 | 141,829,000 | 128,473,000 |