Call reports 2012
INDEPENDENCE BANK — 2012
What INDEPENDENCE BANK 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 | 172,614,000 | 174,780,000 | 169,623,000 | 158,455,000 |
| Total loans | 99,582,000 | 101,727,000 | 97,539,000 | 98,926,000 |
| Allowance for loan losses | 4,200,000 | 4,100,000 | 3,750,000 | 3,450,000 |
| Securities available for sale | 34,650,000 | 33,332,000 | 38,875,000 | 34,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,555,000 | 155,601,000 | 150,192,000 | 138,820,000 |
| Interest-bearing deposits | 117,087,000 | 123,612,000 | 120,873,000 | 106,534,000 |
| Noninterest-bearing deposits | 36,468,000 | 31,989,000 | 29,319,000 | 32,286,000 |
| Equity capital | 18,944,000 | 18,997,000 | 19,068,000 | 19,427,000 |
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 | 1,516,000 | 2,999,000 | 4,465,000 | 5,873,000 |
| Interest expense | 177,000 | 345,000 | 495,000 | 627,000 |
| Net interest income | 1,339,000 | 2,654,000 | 3,970,000 | 5,246,000 |
| Noninterest income | 46,000 | 63,000 | 350,000 | 353,000 |
| Noninterest expense | 887,000 | 1,948,000 | 2,837,000 | 3,884,000 |
| Provision for loan losses | 252,000 | 496,000 | 690,000 | 839,000 |
| Pretax income | 463,000 | 609,000 | 1,226,000 | 1,382,000 |
| Income tax | 135,000 | 143,000 | 310,000 | 340,000 |
| Net income | 328,000 | 466,000 | 916,000 | 1,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,783,000 | 18,922,000 | 18,926,000 | 19,302,000 |
| Total capital | 20,126,000 | 20,226,000 | 20,259,000 | 20,641,000 |
| Risk-weighted assets | 104,549,000 | 101,504,000 | 104,223,000 | 105,046,000 |
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