bank holding company · RSSD 1118854 · KY
How big is INDEPENDENCE BANCSHARES, INC.?
INDEPENDENCE BANCSHARES, INC. (KY, RSSD 1118854) reported consolidated total assets of $2.2B, deposits of $1.6B and a Tier 1 risk-based capital ratio of 11.07% in its FR Y-9C for 2018Q2. That ranks 332 of 650 bank holding companies by assets, 205 of 492 among bank holding companies with $1b-$10b in assets, 5 of 15 bank holding companies in kentucky.
What stands out
INDEPENDENCE BANCSHARES, INC. (KY, RSSD 1118854) reported consolidated total assets of $2.2B, deposits of $1.6B and a Tier 1 risk-based capital ratio of 11.07% in its FR Y-9C for 2018Q2. That ranks 332 of 650 bank holding companies by assets, 205 of 492 among bank holding companies with $1b-$10b in assets, 5 of 15 bank holding companies in kentucky. Against its size class: tier 1 risk-based capital ratio 11.07%, below the peer median of 12.60%; tier 1 leverage ratio 7.75%, below the peer median of 10.12%; return on assets 1.28%, above the peer median of 1.11%. At 11.07% its Tier 1 risk-based ratio is above the 6% minimum of the Federal Reserve's capital rule in force since 2015; its leverage ratio of 7.75% is above the 4% minimum. Buffers, stress tests and the small-holding-company exemption are not applied here. The last report on record is for 2018Q2; the holding company may have merged, deregistered or fallen below the filing threshold after that.
Key figures, 2018Q2
As filed on the FR Y-9C; ratios marked computed are FACTANKER's. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2018Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $2.2B | $1.9B | $1.5B | $2.3B | record → |
| Total deposits | $1.6B | $1.5B | $1.2B | $1.8B | record → |
| Loans and leases | $1.3B | $1.3B | $1.0B | $1.6B | record → |
| Net income (year to date) | $14.2M | $11.2M | $7.3M | $13.4M | record → |
| Total equity capital | $153.0M | $198.3M | $145.7M | $251.4M | record → |
| Equity to assets | 6.86% | 10.25% | 10.39% | 10.57% | computed |
| Tier 1 risk-based capital ratio | 11.07% | 12.60% | 13.94% | 12.70% | record → |
| Total risk-based capital ratio | 12.02% | 14.11% | 15.03% | 14.27% | record → |
| Tier 1 leverage ratio | 7.75% | 10.12% | 11.01% | 10.05% | record → |
| Return on assets | 1.28% | 1.11% | 1.09% | 1.12% | computed |
Quarter by quarter
74 reports on record, 2000Q1–2018Q2; the 40 most recent shown.
| Quarter | Total assets | Deposits | Loans | Net income YTD | Equity | Tier 1 ratio | Rank |
|---|---|---|---|---|---|---|---|
| 2018Q2 | $2.2B | $1.6B | $1.3B | $14.2M | $153.0M | 11.07% | 332 |
| 2018Q1 | $2.2B | $1.7B | $1.3B | $7.2M | $151.2M | 11.12% | 334 |
| 2017Q4 | $2.2B | $1.6B | $1.3B | $30.2M | $151.3M | 11.12% | 333 |
| 2017Q3 | $2.2B | $1.6B | $1.2B | $22.9M | $146.2M | 10.93% | 337 |
| 2017Q2 | $2.2B | $1.6B | $1.2B | $15.2M | $144.3M | 11.04% | 337 |
| 2017Q1 | $2.1B | $1.6B | $1.1B | $7.4M | $140.1M | 11.34% | 341 |
| 2016Q4 | $2.0B | $1.5B | $1.1B | $28.4M | $137.4M | 11.68% | 354 |
| 2016Q3 | $1.9B | $1.4B | $1.1B | $21.6M | $137.7M | 11.75% | 356 |
| 2016Q2 | $1.9B | $1.4B | $1.0B | $14.5M | $135.7M | 11.86% | 350 |
| 2016Q1 | $1.9B | $1.4B | $1.0B | $7.2M | $131.3M | 11.91% | 351 |
| 2015Q4 | $1.8B | $1.4B | $1.0B | $30.2M | $128.6M | 11.94% | 357 |
| 2015Q3 | $1.7B | $1.3B | $989.6M | $22.3M | $122.0M | 11.75% | 365 |
| 2015Q2 | $1.7B | $1.3B | $953.5M | $14.3M | $117.2M | 11.87% | 379 |
| 2015Q1 | $1.6B | $1.3B | $915.5M | $7.4M | $116.5M | 12.30% | 387 |
| 2014Q4 | $1.6B | $1.3B | $929.2M | $21.2M | $113.1M | 12.54% | 387 |
| 2014Q3 | $1.5B | $1.2B | $882.7M | $15.7M | $102.5M | 12.62% | 398 |
| 2014Q2 | $1.4B | $1.1B | $830.5M | $10.2M | $99.4M | 12.91% | 423 |
| 2014Q1 | $1.4B | $1.1B | $808.3M | $5.0M | $96.2M | 12.85% | 422 |
| 2013Q4 | $1.4B | $1.1B | $819.1M | $18.7M | $93.3M | 12.47% | 414 |
| 2013Q3 | $1.4B | $1.1B | $795.6M | $13.7M | $90.8M | 12.58% | 428 |
| 2013Q2 | $1.3B | $1.0B | $770.3M | $9.0M | $88.2M | 12.77% | 430 |
| 2013Q1 | $1.3B | $1.0B | $765.2M | $4.4M | $94.3M | 12.77% | 449 |
| 2012Q4 | $1.3B | $1.0B | $775.5M | $17.4M | $93.2M | 12.49% | 449 |
| 2012Q3 | $1.2B | $966.0M | $737.3M | $13.0M | $80.4M | 11.47% | 460 |
| 2012Q2 | $1.2B | $971.0M | $738.4M | $8.5M | $75.8M | 11.13% | 459 |
| 2012Q1 | $1.1B | $959.9M | $707.9M | $4.2M | $72.2M | 11.21% | 488 |
| 2011Q4 | $1.1B | $948.2M | $719.5M | $15.8M | $68.5M | 10.71% | 416 |
| 2011Q3 | $1.1B | $890.2M | $694.8M | $11.4M | $65.2M | 10.65% | 424 |
| 2011Q2 | $1.1B | $858.9M | $678.2M | $7.4M | $60.6M | 10.52% | 428 |
| 2011Q1 | $1.0B | $801.0M | $673.2M | $3.6M | $56.0M | 10.49% | 464 |
| 2010Q4 | $1.0B | $749.5M | $700.0M | $12.7M | $52.4M | 9.92% | 467 |
| 2010Q3 | $984.8M | $773.4M | $680.1M | $9.3M | $52.2M | 9.77% | 479 |
| 2010Q2 | $965.7M | $765.4M | $662.0M | $5.9M | $47.4M | 9.58% | 488 |
| 2010Q1 | $955.9M | $763.5M | $642.5M | $2.7M | $44.8M | 9.45% | 502 |
| 2009Q4 | $892.8M | $656.4M | $642.1M | $8.4M | $42.1M | 9.21% | 542 |
| 2009Q3 | $864.6M | $640.0M | $625.9M | $5.9M | $40.5M | 9.24% | 560 |
| 2009Q2 | $830.4M | $611.2M | $612.8M | $3.6M | $36.3M | 9.09% | 589 |
| 2009Q1 | $811.8M | $585.2M | $604.0M | $1.7M | $35.2M | 8.89% | 603 |
| 2008Q4 | $805.8M | $582.0M | $594.7M | $5.4M | $33.1M | 8.67% | 593 |
| 2008Q3 | $734.3M | $543.0M | $573.4M | $3.7M | $30.4M | 8.77% | 636 |
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