Call reports 2011
INDEPENDENT BANK OF TEXAS — 2011
What INDEPENDENT BANK OF TEXAS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 93,097,000 | 91,664,000 | 89,897,000 | 89,359,000 |
| Total loans | 63,470,000 | 61,922,000 | 64,146,000 | 63,265,000 |
| Allowance for loan losses | 787,000 | 772,000 | 854,000 | 786,000 |
| Securities available for sale | 7,335,000 | 7,640,000 | 7,618,000 | 6,077,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,417,000 | 75,881,000 | 75,084,000 | 73,453,000 |
| Interest-bearing deposits | 60,541,000 | 57,750,000 | 56,742,000 | 53,327,000 |
| Noninterest-bearing deposits | 17,876,000 | 18,131,000 | 18,342,000 | 20,126,000 |
| Equity capital | 8,408,000 | 8,572,000 | 8,521,000 | 8,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,031,000 | 2,077,000 | 3,110,000 | 4,185,000 |
| Interest expense | 302,000 | 570,000 | 826,000 | 1,049,000 |
| Net interest income | 729,000 | 1,507,000 | 2,284,000 | 3,136,000 |
| Noninterest income | 225,000 | 508,000 | 812,000 | 999,000 |
| Noninterest expense | 903,000 | 1,825,000 | 2,878,000 | 3,855,000 |
| Provision for loan losses | 49,000 | 99,000 | 174,000 | 219,000 |
| Pretax income | 2,000 | 91,000 | 44,000 | 61,000 |
| Income tax | 2,000 | 3,000 | 4,000 | 3,000 |
| Net income | 0 | 88,000 | 40,000 | 58,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,303,000 | 8,356,000 | 8,306,000 | 8,305,000 |
| Total capital | 9,040,000 | 9,061,000 | 9,020,000 | 9,020,000 |
| Risk-weighted assets | 58,933,000 | 56,298,000 | 56,970,000 | 57,113,000 |