Call reports 2007
INDEPENDENT BANK OF TEXAS — 2007
What INDEPENDENT BANK OF TEXAS 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 | 75,406,000 | 76,820,000 | 80,707,000 | 83,028,000 |
| Total loans | 53,088,000 | 58,730,000 | 64,851,000 | 68,251,000 |
| Allowance for loan losses | 574,000 | 641,000 | 703,000 | 735,000 |
| Securities available for sale | 9,144,000 | 7,485,000 | 5,451,000 | 7,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,017,000 | 67,683,000 | 69,167,000 | 70,926,000 |
| Interest-bearing deposits | 51,963,000 | 54,065,000 | 57,670,000 | 57,229,000 |
| Noninterest-bearing deposits | 14,054,000 | 13,618,000 | 11,497,000 | 13,697,000 |
| Equity capital | 7,671,000 | 7,585,000 | 7,726,000 | 7,924,000 |
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 | 1,265,000 | 2,689,000 | 4,287,000 | 5,838,000 |
| Interest expense | 549,000 | 1,183,000 | 1,857,000 | 2,546,000 |
| Net interest income | 716,000 | 1,506,000 | 2,430,000 | 3,292,000 |
| Noninterest income | 36,000 | 75,000 | 103,000 | 169,000 |
| Noninterest expense | 752,000 | 1,555,000 | 2,373,000 | 3,235,000 |
| Provision for loan losses | 30,000 | 99,000 | 162,000 | 198,000 |
| Pretax income | -30,000 | -73,000 | -2,000 | 28,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -30,000 | -73,000 | -2,000 | 28,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,718,000 | 7,676,000 | 7,763,000 | 7,892,000 |
| Total capital | 8,292,000 | 8,317,000 | 8,466,000 | 8,627,000 |
| Risk-weighted assets | 56,390,000 | 60,575,000 | 65,734,000 | 68,942,000 |
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