Call reports 2002
INDEPENDENT BANKERS' BANK OF FLORIDA — 2002
What INDEPENDENT BANKERS' BANK OF FLORIDA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 227,779,000 | 237,305,000 | 211,315,000 | 255,341,000 |
| Total loans | 147,378,000 | 145,950,000 | 152,019,000 | 147,928,000 |
| Allowance for loan losses | 1,955,000 | 1,943,000 | 2,000,000 | 2,058,000 |
| Securities available for sale | 21,472,000 | 19,193,000 | 19,111,000 | 19,908,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,967,000 | 160,069,000 | 144,953,000 | 189,208,000 |
| Interest-bearing deposits | 1,779,000 | 807,000 | 5,877,000 | 1,964,000 |
| Noninterest-bearing deposits | 175,188,000 | 159,262,000 | 139,076,000 | 187,244,000 |
| Equity capital | 15,024,000 | 15,556,000 | 16,580,000 | 17,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,339,000 | 4,903,000 | 7,497,000 | 10,021,000 |
| Interest expense | 407,000 | 874,000 | 1,364,000 | 1,799,000 |
| Net interest income | 1,932,000 | 4,029,000 | 6,133,000 | 8,222,000 |
| Noninterest income | 2,650,000 | 4,732,000 | 6,586,000 | 8,622,000 |
| Noninterest expense | 3,109,000 | 6,078,000 | 9,099,000 | 12,254,000 |
| Provision for loan losses | 370,000 | 858,000 | 915,000 | 975,000 |
| Pretax income | 1,103,000 | 1,825,000 | 2,705,000 | 3,615,000 |
| Income tax | 415,000 | 687,000 | 1,018,000 | 1,364,000 |
| Net income | 688,000 | 1,138,000 | 1,687,000 | 2,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,919,000 | 15,369,000 | 16,419,000 | 16,982,000 |
| Total capital | 16,874,000 | 17,312,000 | 18,419,000 | 19,040,000 |
| Risk-weighted assets | 173,054,000 | 171,950,000 | 173,475,000 | 172,507,000 |