Call reports 2007
INDIAN RIVER NATIONAL BANK — 2007
What INDIAN RIVER NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 806,526,000 | 785,496,000 | 787,129,000 | 762,321,000 |
| Total loans | 507,279,000 | 510,140,000 | 504,703,000 | 502,539,000 |
| Allowance for loan losses | 6,128,000 | 6,139,000 | 6,773,000 | 8,454,000 |
| Securities available for sale | 75,020,000 | 70,185,000 | 67,279,000 | 50,851,000 |
| Securities held to maturity | 157,909,000 | 151,740,000 | 155,902,000 | 149,526,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 575,104,000 | 566,375,000 | 561,428,000 | 606,451,000 |
| Interest-bearing deposits | 468,299,000 | 470,305,000 | 473,950,000 | 480,525,000 |
| Noninterest-bearing deposits | 106,805,000 | 96,071,000 | 87,478,000 | 125,926,000 |
| Equity capital | 60,086,000 | 60,247,000 | 60,629,000 | 59,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 12,551,000 | 25,128,000 | 37,669,000 | 49,786,000 |
| Interest expense | 5,915,000 | 11,958,000 | 18,221,000 | 24,102,000 |
| Net interest income | 6,636,000 | 13,170,000 | 19,448,000 | 25,684,000 |
| Noninterest income | 1,194,000 | 2,506,000 | 3,655,000 | 4,911,000 |
| Noninterest expense | 4,390,000 | 8,806,000 | 13,038,000 | 17,730,000 |
| Provision for loan losses | 153,000 | 187,000 | 1,257,000 | 4,307,000 |
| Pretax income | 3,287,000 | 6,683,000 | 8,808,000 | 8,506,000 |
| Income tax | 1,058,000 | 2,164,000 | 2,780,000 | 2,462,000 |
| Net income | 2,229,000 | 4,519,000 | 6,028,000 | 6,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,653,000 | 59,462,000 | 59,491,000 | 58,025,000 |
| Total capital | 64,900,000 | 65,720,000 | 66,377,000 | 64,908,000 |
| Risk-weighted assets | 558,106,000 | 563,720,000 | 559,924,000 | 548,988,000 |