Call reports 2005
INDEPENDENCE BANK — 2005
What INDEPENDENCE 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 | 49,377,000 | 45,781,000 | 44,584,000 | 46,620,000 |
| Total loans | 26,297,000 | 26,110,000 | 26,444,000 | 29,565,000 |
| Allowance for loan losses | 915,000 | 885,000 | 838,000 | 856,000 |
| Securities available for sale | 7,372,000 | 5,730,000 | 5,585,000 | 5,488,000 |
| Securities held to maturity | 4,180,000 | 3,992,000 | 3,776,000 | 3,578,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,248,000 | 33,537,000 | 32,768,000 | 34,907,000 |
| Interest-bearing deposits | 37,784,000 | 30,744,000 | 30,755,000 | 30,700,000 |
| Noninterest-bearing deposits | 2,464,000 | 2,793,000 | 2,013,000 | 4,207,000 |
| Equity capital | 5,501,000 | 5,698,000 | 5,593,000 | 5,750,000 |
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 | 761,000 | 1,545,000 | 2,338,000 | 3,166,000 |
| Interest expense | 240,000 | 492,000 | 772,000 | 1,076,000 |
| Net interest income | 521,000 | 1,053,000 | 1,566,000 | 2,090,000 |
| Noninterest income | 570,000 | 1,249,000 | 1,781,000 | 2,612,000 |
| Noninterest expense | 964,000 | 1,943,000 | 3,064,000 | 4,097,000 |
| Provision for loan losses | 7,000 | -23,000 | 28,000 | 63,000 |
| Pretax income | 120,000 | 379,000 | 252,000 | 539,000 |
| Income tax | 48,000 | 152,000 | 101,000 | 216,000 |
| Net income | 72,000 | 227,000 | 151,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,521,000 | 5,675,000 | 5,601,000 | 5,770,000 |
| Total capital | 5,896,000 | 6,046,000 | 5,990,000 | 6,160,000 |
| Risk-weighted assets | 29,453,000 | 29,142,000 | 30,675,000 | 30,763,000 |
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