Call reports 2004
INDIAN RIVER NATIONAL BANK — 2004
What INDIAN RIVER NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 602,651,000 | 622,190,000 | 629,608,000 | 694,376,000 |
| Total loans | 310,562,000 | 313,391,000 | 329,159,000 | 343,142,000 |
| Allowance for loan losses | 4,583,000 | 4,637,000 | 4,663,000 | 4,616,000 |
| Securities available for sale | 232,431,000 | 203,787,000 | 193,903,000 | 178,009,000 |
| Securities held to maturity | 25,690,000 | 74,378,000 | 82,082,000 | 114,149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 481,018,000 | 493,458,000 | 470,749,000 | 585,782,000 |
| Interest-bearing deposits | 389,404,000 | 401,768,000 | 381,840,000 | 431,804,000 |
| Noninterest-bearing deposits | 91,614,000 | 91,690,000 | 88,909,000 | 153,978,000 |
| Equity capital | 44,525,000 | 42,704,000 | 55,111,000 | 56,129,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,514,000 | 9,896,000 | 17,620,000 | 25,578,000 |
| Interest expense | 648,000 | 2,467,000 | 4,360,000 | 6,324,000 |
| Net interest income | 1,866,000 | 7,429,000 | 13,260,000 | 19,254,000 |
| Noninterest income | 410,000 | 1,634,000 | 2,646,000 | 3,595,000 |
| Noninterest expense | 1,318,000 | 5,191,000 | 8,903,000 | 12,571,000 |
| Provision for loan losses | 25,000 | 100,000 | 120,000 | 225,000 |
| Pretax income | 933,000 | 3,772,000 | 6,883,000 | 10,053,000 |
| Income tax | 347,000 | 1,408,000 | 2,572,000 | 3,615,000 |
| Net income | 586,000 | 2,364,000 | 4,311,000 | 6,438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,355,000 | 37,604,000 | 48,523,000 | 50,371,000 |
| Total capital | 39,859,000 | 42,074,000 | 53,124,000 | 55,123,000 |
| Risk-weighted assets | 360,280,000 | 357,448,000 | 368,052,000 | 397,380,000 |