Call reports 2006
INDEPENDENT BANKERS' BANK OF FLORIDA — 2006
What INDEPENDENT BANKERS' BANK OF FLORIDA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 366,406,000 | 434,314,000 | 414,726,000 | 373,050,000 |
| Total loans | 241,692,000 | 249,499,000 | 249,584,000 | 235,629,000 |
| Allowance for loan losses | 2,837,000 | 2,870,000 | 3,035,000 | 2,975,000 |
| Securities available for sale | 25,860,000 | 32,862,000 | 27,578,000 | 11,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,239,000 | 189,958,000 | 200,449,000 | 147,285,000 |
| Interest-bearing deposits | 50,977,000 | 46,882,000 | 46,754,000 | 51,661,000 |
| Noninterest-bearing deposits | 125,262,000 | 143,076,000 | 153,695,000 | 95,624,000 |
| Equity capital | 28,129,000 | 28,912,000 | 30,838,000 | 37,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,144,000 | 10,835,000 | 17,270,000 | 23,187,000 |
| Interest expense | 2,490,000 | 5,349,000 | 8,787,000 | 11,765,000 |
| Net interest income | 2,654,000 | 5,486,000 | 8,483,000 | 11,422,000 |
| Noninterest income | 2,730,000 | 5,407,000 | 8,104,000 | 19,833,000 |
| Noninterest expense | 3,949,000 | 8,087,000 | 12,254,000 | 15,563,000 |
| Provision for loan losses | 95,000 | 130,000 | 295,000 | 235,000 |
| Pretax income | 1,340,000 | 2,676,000 | 4,038,000 | 15,457,000 |
| Income tax | 496,000 | 999,000 | 1,511,000 | 5,810,000 |
| Net income | 844,000 | 1,677,000 | 2,527,000 | 9,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,216,000 | 29,049,000 | 30,899,000 | 38,019,000 |
| Total capital | 31,054,000 | 31,919,000 | 33,935,000 | 40,994,000 |
| Risk-weighted assets | 299,555,000 | 304,616,000 | 300,082,000 | 278,899,000 |