Call reports 2003
INDIAN RIVER NATIONAL BANK — 2003
What INDIAN RIVER NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 502,290,000 | 516,180,000 | 518,412,000 | 540,923,000 |
| Total loans | 242,961,000 | 246,825,000 | 247,260,000 | 273,412,000 |
| Allowance for loan losses | 3,403,000 | 3,352,000 | 3,395,000 | 3,749,000 |
| Securities available for sale | 228,070,000 | 241,756,000 | 244,205,000 | 238,382,000 |
| Securities held to maturity | 7,980,000 | 7,284,000 | 7,648,000 | 7,646,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,735,000 | 413,560,000 | 417,440,000 | 452,084,000 |
| Interest-bearing deposits | 337,473,000 | 382,932,000 | 387,690,000 | 410,761,000 |
| Noninterest-bearing deposits | 66,262,000 | 30,628,000 | 29,750,000 | 41,323,000 |
| Equity capital | 35,115,000 | 36,472,000 | 35,718,000 | 37,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,327,000 | 12,680,000 | 18,742,000 | 25,582,000 |
| Interest expense | 2,010,000 | 4,122,000 | 6,080,000 | 8,003,000 |
| Net interest income | 4,317,000 | 8,558,000 | 12,662,000 | 17,579,000 |
| Noninterest income | 1,401,000 | 2,984,000 | 4,540,000 | 5,618,000 |
| Noninterest expense | 3,555,000 | 7,304,000 | 10,822,000 | 14,581,000 |
| Provision for loan losses | 175,000 | 265,000 | 355,000 | 780,000 |
| Pretax income | 2,135,000 | 4,140,000 | 6,192,000 | 8,003,000 |
| Income tax | 798,000 | 1,548,000 | 2,313,000 | 2,996,000 |
| Net income | 1,337,000 | 2,592,000 | 3,879,000 | 5,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,488,000 | 34,744,000 | 36,031,000 | 37,159,000 |
| Total capital | 36,865,000 | 38,096,000 | 39,426,000 | 40,908,000 |
| Risk-weighted assets | 270,130,000 | 280,583,000 | 328,311,000 | 345,157,000 |