Call reports 2003
INDEPENDENT BANKERS' BANK OF FLORIDA — 2003
What INDEPENDENT BANKERS' BANK OF FLORIDA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 242,633,000 | 212,424,000 | 281,065,000 | 293,292,000 |
| Total loans | 149,909,000 | 153,506,000 | 166,460,000 | 167,508,000 |
| Allowance for loan losses | 2,058,000 | 2,001,000 | 2,044,000 | 2,148,000 |
| Securities available for sale | 18,251,000 | 15,777,000 | 17,948,000 | 15,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,063,000 | 152,489,000 | 166,428,000 | 179,933,000 |
| Interest-bearing deposits | 2,811,000 | 7,980,000 | 9,600,000 | 9,579,000 |
| Noninterest-bearing deposits | 179,252,000 | 144,509,000 | 156,828,000 | 170,354,000 |
| Equity capital | 17,777,000 | 18,519,000 | 18,805,000 | 19,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,378,000 | 4,743,000 | 7,096,000 | 9,546,000 |
| Interest expense | 370,000 | 779,000 | 1,243,000 | 1,725,000 |
| Net interest income | 2,008,000 | 3,964,000 | 5,853,000 | 7,821,000 |
| Noninterest income | 2,266,000 | 4,506,000 | 6,681,000 | 8,788,000 |
| Noninterest expense | 3,267,000 | 6,551,000 | 9,900,000 | 13,060,000 |
| Provision for loan losses | 0 | 57,000 | 100,000 | 111,000 |
| Pretax income | 1,007,000 | 1,862,000 | 2,534,000 | 3,438,000 |
| Income tax | 379,000 | 722,000 | 991,000 | 1,242,000 |
| Net income | 628,000 | 1,140,000 | 1,543,000 | 2,196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,610,000 | 18,372,000 | 18,775,000 | 19,428,000 |
| Total capital | 19,668,000 | 20,373,000 | 20,819,000 | 21,576,000 |
| Risk-weighted assets | 174,968,000 | 176,270,000 | 195,279,000 | 202,989,000 |