Call reports 2005
INDEPENDENT BANKERS' BANK OF FLORIDA — 2005
What INDEPENDENT BANKERS' BANK OF FLORIDA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 313,971,000 | 328,124,000 | 315,897,000 | 396,338,000 |
| Total loans | 208,936,000 | 217,699,000 | 221,190,000 | 232,249,000 |
| Allowance for loan losses | 2,688,000 | 2,687,000 | 2,687,000 | 2,742,000 |
| Securities available for sale | 10,171,000 | 9,442,000 | 18,075,000 | 26,448,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,508,000 | 175,297,000 | 159,832,000 | 153,693,000 |
| Interest-bearing deposits | 12,423,000 | 16,383,000 | 10,473,000 | 20,903,000 |
| Noninterest-bearing deposits | 163,085,000 | 158,914,000 | 149,359,000 | 132,790,000 |
| Equity capital | 23,084,000 | 23,822,000 | 26,563,000 | 27,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,395,000 | 7,014,000 | 11,192,000 | 16,004,000 |
| Interest expense | 1,048,000 | 2,236,000 | 3,833,000 | 5,932,000 |
| Net interest income | 2,347,000 | 4,778,000 | 7,359,000 | 10,072,000 |
| Noninterest income | 2,863,000 | 5,368,000 | 7,706,000 | 10,002,000 |
| Noninterest expense | 3,835,000 | 7,628,000 | 11,325,000 | 14,945,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 65,000 |
| Pretax income | 1,350,000 | 2,493,000 | 3,715,000 | 5,030,000 |
| Income tax | 508,000 | 938,000 | 1,398,000 | 1,944,000 |
| Net income | 842,000 | 1,555,000 | 2,317,000 | 3,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,129,000 | 23,842,000 | 26,604,000 | 27,372,000 |
| Total capital | 25,817,000 | 26,529,000 | 29,291,000 | 30,114,000 |
| Risk-weighted assets | 240,386,000 | 262,866,000 | 273,465,000 | 299,234,000 |