Call reports 2004
INDEPENDENT BANKERS' BANK OF FLORIDA — 2004
What INDEPENDENT BANKERS' BANK OF FLORIDA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 303,019,000 | 317,560,000 | 324,251,000 | 329,400,000 |
| Total loans | 178,461,000 | 196,713,000 | 202,208,000 | 206,152,000 |
| Allowance for loan losses | 2,260,000 | 2,439,000 | 2,437,000 | 2,663,000 |
| Securities available for sale | 15,091,000 | 16,067,000 | 14,805,000 | 9,363,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,483,000 | 229,839,000 | 177,146,000 | 167,366,000 |
| Interest-bearing deposits | 9,474,000 | 7,885,000 | 5,960,000 | 12,720,000 |
| Noninterest-bearing deposits | 222,009,000 | 221,954,000 | 171,186,000 | 154,646,000 |
| Equity capital | 20,070,000 | 20,732,000 | 21,502,000 | 22,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,507,000 | 5,153,000 | 8,026,000 | 11,098,000 |
| Interest expense | 474,000 | 937,000 | 1,572,000 | 2,353,000 |
| Net interest income | 2,033,000 | 4,216,000 | 6,454,000 | 8,745,000 |
| Noninterest income | 2,256,000 | 4,612,000 | 6,814,000 | 9,115,000 |
| Noninterest expense | 3,369,000 | 6,781,000 | 10,193,000 | 13,579,000 |
| Provision for loan losses | 11,000 | 81,000 | 81,000 | 116,000 |
| Pretax income | 909,000 | 1,966,000 | 2,994,000 | 4,088,000 |
| Income tax | 342,000 | 740,000 | 1,127,000 | 1,429,000 |
| Net income | 567,000 | 1,226,000 | 1,867,000 | 2,659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,995,000 | 20,854,000 | 21,495,000 | 22,287,000 |
| Total capital | 22,255,000 | 23,293,000 | 23,932,000 | 24,950,000 |
| Risk-weighted assets | 220,037,000 | 224,773,000 | 233,819,000 | 242,133,000 |