Call reports 2006
INDIAN RIVER NATIONAL BANK — 2006
What INDIAN RIVER NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 773,412,000 | 775,370,000 | 777,332,000 | 797,859,000 |
| Total loans | 456,275,000 | 472,577,000 | 481,048,000 | 503,632,000 |
| Allowance for loan losses | 5,622,000 | 5,705,000 | 5,841,000 | 5,995,000 |
| Securities available for sale | 112,017,000 | 93,649,000 | 89,487,000 | 80,489,000 |
| Securities held to maturity | 141,113,000 | 151,026,000 | 159,788,000 | 163,840,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 564,539,000 | 540,964,000 | 535,405,000 | 623,098,000 |
| Interest-bearing deposits | 443,336,000 | 430,396,000 | 431,967,000 | 461,045,000 |
| Noninterest-bearing deposits | 121,203,000 | 110,568,000 | 103,438,000 | 162,053,000 |
| Equity capital | 62,520,000 | 63,539,000 | 64,441,000 | 59,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 10,769,000 | 22,203,000 | 34,429,000 | 46,856,000 |
| Interest expense | 3,925,000 | 8,405,000 | 13,712,000 | 19,356,000 |
| Net interest income | 6,844,000 | 13,798,000 | 20,717,000 | 27,500,000 |
| Noninterest income | 1,890,000 | 3,719,000 | 4,930,000 | 6,179,000 |
| Noninterest expense | 4,474,000 | 8,985,000 | 13,323,000 | 17,554,000 |
| Provision for loan losses | 75,000 | 135,000 | 285,000 | 445,000 |
| Pretax income | 3,451,000 | 7,147,000 | 10,789,000 | 14,430,000 |
| Income tax | 1,171,000 | 2,406,000 | 3,603,000 | 4,798,000 |
| Net income | 2,280,000 | 4,741,000 | 7,186,000 | 9,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,998,000 | 62,546,000 | 63,077,000 | 57,860,000 |
| Total capital | 66,767,000 | 68,379,000 | 69,045,000 | 63,976,000 |
| Risk-weighted assets | 503,113,000 | 509,222,000 | 520,307,000 | 545,743,000 |