Call reports 2013
INDEPENDENT BANK OF TEXAS — 2013
What INDEPENDENT BANK OF TEXAS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 109,570,000 | 109,533,000 | 115,375,000 | 120,141,000 |
| Total loans | 74,974,000 | 77,208,000 | 74,575,000 | 81,413,000 |
| Allowance for loan losses | 782,000 | 807,000 | 807,000 | 885,000 |
| Securities available for sale | 15,382,000 | 12,424,000 | 20,161,000 | 14,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,545,000 | 94,409,000 | 98,139,000 | 104,040,000 |
| Interest-bearing deposits | 71,858,000 | 68,356,000 | 69,684,000 | 73,973,000 |
| Noninterest-bearing deposits | 25,687,000 | 26,053,000 | 28,455,000 | 30,067,000 |
| Equity capital | 8,912,000 | 8,836,000 | 10,096,000 | 10,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,174,000 | 2,402,000 | 3,576,000 | 4,799,000 |
| Interest expense | 186,000 | 364,000 | 570,000 | 778,000 |
| Net interest income | 988,000 | 2,038,000 | 3,006,000 | 4,021,000 |
| Noninterest income | 192,000 | 436,000 | 612,000 | 587,000 |
| Noninterest expense | 928,000 | 2,015,000 | 2,928,000 | 3,904,000 |
| Provision for loan losses | 46,000 | 71,000 | 71,000 | 72,000 |
| Pretax income | 206,000 | 337,000 | 568,000 | 360,000 |
| Income tax | 1,000 | 3,000 | 4,000 | -206,000 |
| Net income | 205,000 | 334,000 | 564,000 | 566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,678,000 | 8,655,000 | 9,844,000 | 10,106,000 |
| Total capital | 9,460,000 | 9,462,000 | 10,651,000 | 10,991,000 |
| Risk-weighted assets | 66,989,000 | 67,122,000 | 66,807,000 | 71,731,000 |