Call reports 2002
INDIAN RIVER NATIONAL BANK — 2002
What INDIAN RIVER NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 410,317,000 | 419,302,000 | 426,845,000 | 458,140,000 |
| Total loans | 219,572,000 | 223,755,000 | 230,653,000 | 246,033,000 |
| Allowance for loan losses | 2,906,000 | 3,015,000 | 3,151,000 | 3,259,000 |
| Securities available for sale | 154,315,000 | 153,341,000 | 154,121,000 | 176,383,000 |
| Securities held to maturity | 13,617,000 | 13,652,000 | 13,687,000 | 9,742,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,128,000 | 338,467,000 | 341,230,000 | 371,610,000 |
| Interest-bearing deposits | 287,469,000 | 286,578,000 | 282,733,000 | 298,010,000 |
| Noninterest-bearing deposits | 49,659,000 | 51,889,000 | 58,497,000 | 73,600,000 |
| Equity capital | 27,204,000 | 30,636,000 | 32,877,000 | 34,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,494,000 | 13,218,000 | 19,858,000 | 26,361,000 |
| Interest expense | 2,585,000 | 4,914,000 | 7,070,000 | 9,098,000 |
| Net interest income | 3,909,000 | 8,304,000 | 12,788,000 | 17,263,000 |
| Noninterest income | 876,000 | 1,950,000 | 2,999,000 | 4,290,000 |
| Noninterest expense | 2,996,000 | 6,090,000 | 9,265,000 | 12,690,000 |
| Provision for loan losses | 130,000 | 260,000 | 440,000 | 620,000 |
| Pretax income | 2,350,000 | 4,655,000 | 6,895,000 | 9,056,000 |
| Income tax | 885,000 | 1,750,000 | 2,590,000 | 3,399,000 |
| Net income | 1,465,000 | 2,905,000 | 4,305,000 | 5,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,960,000 | 29,194,000 | 30,800,000 | 32,152,000 |
| Total capital | 30,866,000 | 32,209,000 | 33,951,000 | 35,411,000 |
| Risk-weighted assets | 253,243,000 | 254,856,000 | 256,054,000 | 263,882,000 |