Call reports 2009
BANK INDEPENDENT — 2009
What BANK INDEPENDENT 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 | 923,964,000 | 933,154,000 | 930,091,000 | 955,091,000 |
| Total loans | 689,152,000 | 681,864,000 | 751,441,000 | 743,951,000 |
| Allowance for loan losses | 8,414,000 | 8,509,000 | 8,701,000 | 9,937,000 |
| Securities available for sale | 76,603,000 | 67,031,000 | 64,417,000 | 60,529,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 750,791,000 | 757,619,000 | 755,101,000 | 786,564,000 |
| Interest-bearing deposits | 703,718,000 | 711,905,000 | 708,403,000 | 736,186,000 |
| Noninterest-bearing deposits | 47,073,000 | 45,714,000 | 46,698,000 | 50,378,000 |
| Equity capital | 113,990,000 | 114,437,000 | 115,942,000 | 116,918,000 |
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 | 11,915,000 | 23,870,000 | 36,717,000 | 51,733,000 |
| Interest expense | 2,947,000 | 5,770,000 | 8,341,000 | 10,665,000 |
| Net interest income | 8,968,000 | 18,100,000 | 28,376,000 | 41,068,000 |
| Noninterest income | 2,577,000 | 5,373,000 | 8,225,000 | 10,920,000 |
| Noninterest expense | 8,360,000 | 16,582,000 | 26,223,000 | 35,747,000 |
| Provision for loan losses | 900,000 | 1,950,000 | 2,850,000 | 4,650,000 |
| Pretax income | 2,285,000 | 4,823,000 | 7,468,000 | 11,532,000 |
| Income tax | 583,000 | 1,278,000 | 2,022,000 | 3,669,000 |
| Net income | 1,702,000 | 3,545,000 | 5,446,000 | 7,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,765,000 | 89,573,000 | 90,625,000 | 91,931,000 |
| Total capital | 97,179,000 | 98,042,000 | 99,326,000 | 101,210,000 |
| Risk-weighted assets | 691,157,000 | 677,515,000 | 750,207,000 | 744,008,000 |