Call reports 2012
INDEPENDENT BANK OF TEXAS — 2012
What INDEPENDENT BANK OF TEXAS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 93,550,000 | 101,500,000 | 110,965,000 | 109,621,000 |
| Total loans | 64,671,000 | 71,477,000 | 70,735,000 | 74,707,000 |
| Allowance for loan losses | 796,000 | 813,000 | 734,000 | 815,000 |
| Securities available for sale | 6,049,000 | 6,027,000 | 8,763,000 | 15,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,822,000 | 86,364,000 | 96,938,000 | 95,825,000 |
| Interest-bearing deposits | 57,256,000 | 62,809,000 | 75,478,000 | 74,238,000 |
| Noninterest-bearing deposits | 21,566,000 | 23,555,000 | 21,460,000 | 21,587,000 |
| Equity capital | 8,634,000 | 8,633,000 | 8,651,000 | 8,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,112,000 | 2,192,000 | 3,347,000 | 4,575,000 |
| Interest expense | 201,000 | 428,000 | 669,000 | 925,000 |
| Net interest income | 911,000 | 1,764,000 | 2,678,000 | 3,650,000 |
| Noninterest income | 167,000 | 229,000 | 397,000 | 608,000 |
| Noninterest expense | 943,000 | 1,834,000 | 2,885,000 | 3,808,000 |
| Provision for loan losses | 10,000 | 30,000 | 42,000 | 122,000 |
| Pretax income | 125,000 | 129,000 | 148,000 | 328,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 124,000 | 126,000 | 144,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,416,000 | 8,425,000 | 8,435,000 | 8,510,000 |
| Total capital | 9,140,000 | 9,218,000 | 9,169,000 | 9,322,000 |
| Risk-weighted assets | 57,891,000 | 63,453,000 | 60,664,000 | 66,227,000 |