Call reports 2006
BANK INDEPENDENT — 2006
What BANK INDEPENDENT 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 | 749,095,000 | 729,955,000 | 714,753,000 | 702,302,000 |
| Total loans | 370,162,000 | 397,828,000 | 416,547,000 | 434,474,000 |
| Allowance for loan losses | 4,457,000 | 4,417,000 | 4,522,000 | 4,242,000 |
| Securities available for sale | 282,356,000 | 239,345,000 | 207,935,000 | 162,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 637,595,000 | 613,219,000 | 600,293,000 | 596,503,000 |
| Interest-bearing deposits | 573,087,000 | 557,090,000 | 547,356,000 | 541,067,000 |
| Noninterest-bearing deposits | 64,508,000 | 56,129,000 | 52,937,000 | 55,436,000 |
| Equity capital | 82,701,000 | 83,058,000 | 85,131,000 | 86,317,000 |
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 | 9,805,000 | 19,830,000 | 30,075,000 | 40,241,000 |
| Interest expense | 3,497,000 | 7,141,000 | 10,815,000 | 14,430,000 |
| Net interest income | 6,308,000 | 12,689,000 | 19,260,000 | 25,811,000 |
| Noninterest income | 1,821,000 | 3,816,000 | 6,019,000 | 8,003,000 |
| Noninterest expense | 6,057,000 | 12,072,000 | 17,986,000 | 24,201,000 |
| Provision for loan losses | 330,000 | 420,000 | 750,000 | 670,000 |
| Pretax income | 1,742,000 | 4,010,000 | 6,537,000 | 9,014,000 |
| Income tax | 438,000 | 1,069,000 | 1,758,000 | 2,422,000 |
| Net income | 1,304,000 | 2,941,000 | 4,779,000 | 6,592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,141,000 | 58,929,000 | 60,099,000 | 61,233,000 |
| Total capital | 61,598,000 | 63,346,000 | 64,621,000 | 65,475,000 |
| Risk-weighted assets | 424,370,000 | 436,868,000 | 453,974,000 | 479,112,000 |