Call reports 2007
INDEPENDENT BANKERS' BANK OF FLORIDA — 2007
What INDEPENDENT BANKERS' BANK OF FLORIDA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 394,908,000 | 316,560,000 | 358,334,000 | 423,715,000 |
| Total loans | 226,706,000 | 214,608,000 | 226,467,000 | 240,691,000 |
| Allowance for loan losses | 2,975,000 | 2,975,000 | 3,036,000 | 5,286,000 |
| Securities available for sale | 16,063,000 | 27,967,000 | 37,900,000 | 44,890,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,728,000 | 149,477,000 | 130,733,000 | 148,746,000 |
| Interest-bearing deposits | 55,576,000 | 63,182,000 | 59,517,000 | 62,616,000 |
| Noninterest-bearing deposits | 107,152,000 | 86,295,000 | 71,216,000 | 86,130,000 |
| Equity capital | 38,503,000 | 39,716,000 | 40,490,000 | 39,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,656,000 | 11,016,000 | 16,259,000 | 21,899,000 |
| Interest expense | 2,953,000 | 5,759,000 | 8,506,000 | 11,481,000 |
| Net interest income | 2,703,000 | 5,257,000 | 7,753,000 | 10,418,000 |
| Noninterest income | 1,768,000 | 4,948,000 | 6,959,000 | 9,238,000 |
| Noninterest expense | 3,679,000 | 7,270,000 | 10,795,000 | 14,824,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 2,310,000 |
| Pretax income | 792,000 | 2,935,000 | 3,857,000 | 2,522,000 |
| Income tax | 273,000 | 1,061,000 | 1,380,000 | 890,000 |
| Net income | 519,000 | 1,874,000 | 2,477,000 | 1,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,539,000 | 39,893,000 | 40,496,000 | 39,652,000 |
| Total capital | 41,514,000 | 42,868,000 | 43,532,000 | 43,149,000 |
| Risk-weighted assets | 269,545,000 | 244,202,000 | 256,646,000 | 278,217,000 |