Call reports 2008
INDEPENDENT BANK OF TEXAS — 2008
What INDEPENDENT BANK OF TEXAS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 87,853,000 | 90,901,000 | 96,938,000 | 93,468,000 |
| Total loans | 67,852,000 | 75,966,000 | 78,117,000 | 75,834,000 |
| Allowance for loan losses | 775,000 | 867,000 | 844,000 | 765,000 |
| Securities available for sale | 7,095,000 | 6,931,000 | 9,934,000 | 8,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,099,000 | 76,882,000 | 82,088,000 | 76,474,000 |
| Interest-bearing deposits | 60,452,000 | 61,996,000 | 64,541,000 | 59,246,000 |
| Noninterest-bearing deposits | 15,647,000 | 14,886,000 | 17,547,000 | 17,228,000 |
| Equity capital | 7,846,000 | 7,604,000 | 7,590,000 | 7,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,447,000 | 2,873,000 | 4,346,000 | 5,723,000 |
| Interest expense | 628,000 | 1,222,000 | 1,821,000 | 2,378,000 |
| Net interest income | 819,000 | 1,651,000 | 2,525,000 | 3,345,000 |
| Noninterest income | 47,000 | 109,000 | 187,000 | 261,000 |
| Noninterest expense | 886,000 | 1,828,000 | 2,765,000 | 3,648,000 |
| Provision for loan losses | 114,000 | 215,000 | 252,000 | 323,000 |
| Pretax income | -134,000 | -283,000 | -305,000 | -365,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -134,000 | -283,000 | -305,000 | -365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,758,000 | 7,611,000 | 7,587,000 | 7,527,000 |
| Total capital | 8,533,000 | 8,478,000 | 8,431,000 | 8,292,000 |
| Risk-weighted assets | 71,079,000 | 77,410,000 | 79,014,000 | 76,524,000 |
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