Call reports 2005
INDIAN RIVER NATIONAL BANK — 2005
What INDIAN RIVER NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 716,436,000 | 740,800,000 | 767,137,000 | 753,061,000 |
| Total loans | 370,617,000 | 409,731,000 | 449,208,000 | 449,529,000 |
| Allowance for loan losses | 4,318,000 | 4,926,000 | 5,285,000 | 5,548,000 |
| Securities available for sale | 164,879,000 | 158,024,000 | 148,641,000 | 139,733,000 |
| Securities held to maturity | 130,605,000 | 125,921,000 | 120,581,000 | 115,722,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 549,400,000 | 552,141,000 | 557,333,000 | 579,767,000 |
| Interest-bearing deposits | 417,610,000 | 423,533,000 | 431,768,000 | 433,582,000 |
| Noninterest-bearing deposits | 131,790,000 | 128,608,000 | 125,565,000 | 146,185,000 |
| Equity capital | 56,890,000 | 59,343,000 | 60,823,000 | 61,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,558,000 | 17,909,000 | 28,119,000 | 38,640,000 |
| Interest expense | 2,133,000 | 4,717,000 | 7,878,000 | 11,394,000 |
| Net interest income | 6,425,000 | 13,192,000 | 20,241,000 | 27,246,000 |
| Noninterest income | 1,060,000 | 2,461,000 | 3,748,000 | 4,948,000 |
| Noninterest expense | 4,345,000 | 8,814,000 | 13,175,000 | 17,625,000 |
| Provision for loan losses | 90,000 | 335,000 | 715,000 | 1,005,000 |
| Pretax income | 3,050,000 | 6,504,000 | 10,099,000 | 13,564,000 |
| Income tax | 1,017,000 | 2,173,000 | 3,380,000 | 4,513,000 |
| Net income | 2,033,000 | 4,331,000 | 6,719,000 | 9,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,332,000 | 55,409,000 | 57,601,000 | 59,587,000 |
| Total capital | 58,165,000 | 60,477,000 | 63,037,000 | 65,281,000 |
| Risk-weighted assets | 424,959,000 | 465,761,000 | 507,809,000 | 498,256,000 |