Call reports 2015
INDEPENDENT BANK OF TEXAS — 2015
What INDEPENDENT BANK OF TEXAS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Total assets | 120,854,000 | 114,356,000 |
| Total loans | 98,760,000 | 89,697,000 |
| Allowance for loan losses | 904,000 | 933,000 |
| Securities available for sale | 4,765,000 | 4,646,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 104,287,000 | 98,390,000 |
| Interest-bearing deposits | 79,128,000 | 69,895,000 |
| Noninterest-bearing deposits | 25,159,000 | 28,495,000 |
| Equity capital | 11,957,000 | 11,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Interest income | 1,389,000 | 2,748,000 |
| Interest expense | 170,000 | 336,000 |
| Net interest income | 1,219,000 | 2,412,000 |
| Noninterest income | 305,000 | 592,000 |
| Noninterest expense | 1,122,000 | 2,858,000 |
| Provision for loan losses | 80,000 | 416,000 |
| Pretax income | 338,000 | -254,000 |
| Income tax | 1,000 | 3,000 |
| Net income | 337,000 | -257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Tier 1 capital | 11,805,000 | 11,216,000 |
| Total capital | 12,709,000 | 12,149,000 |
| Risk-weighted assets | 83,684,000 | 78,051,000 |