Call reports 2009
INDEPENDENT BANK OF TEXAS — 2009
What INDEPENDENT BANK OF TEXAS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 93,595,000 | 92,642,000 | 96,523,000 | 88,236,000 |
| Total loans | 70,587,000 | 69,442,000 | 68,347,000 | 66,499,000 |
| Allowance for loan losses | 993,000 | 969,000 | 1,188,000 | 887,000 |
| Securities available for sale | 8,708,000 | 7,643,000 | 7,684,000 | 8,566,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,173,000 | 75,259,000 | 79,463,000 | 72,433,000 |
| Interest-bearing deposits | 60,008,000 | 58,320,000 | 58,437,000 | 57,213,000 |
| Noninterest-bearing deposits | 15,165,000 | 16,939,000 | 21,026,000 | 15,220,000 |
| Equity capital | 9,728,000 | 9,700,000 | 9,362,000 | 8,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,287,000 | 2,532,000 | 3,768,000 | 4,951,000 |
| Interest expense | 497,000 | 954,000 | 1,378,000 | 1,765,000 |
| Net interest income | 790,000 | 1,578,000 | 2,390,000 | 3,186,000 |
| Noninterest income | 95,000 | 174,000 | 199,000 | 347,000 |
| Noninterest expense | 836,000 | 1,667,000 | 2,604,000 | 3,651,000 |
| Provision for loan losses | 178,000 | 210,000 | 511,000 | 1,113,000 |
| Pretax income | -129,000 | -53,000 | -454,000 | -1,128,000 |
| Income tax | 2,000 | 3,000 | 5,000 | 4,000 |
| Net income | -131,000 | -56,000 | -459,000 | -1,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,596,000 | 9,671,000 | 9,269,000 | 8,582,000 |
| Total capital | 10,497,000 | 10,557,000 | 10,155,000 | 9,422,000 |
| Risk-weighted assets | 71,990,000 | 70,832,000 | 70,616,000 | 67,227,000 |
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