Call reports 2013
INDEPENDENCE BANK — 2013
What INDEPENDENCE BANK 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 | 161,738,000 | 165,558,000 | 176,084,000 | 175,255,000 |
| Total loans | 99,348,000 | 98,890,000 | 100,812,000 | 101,592,000 |
| Allowance for loan losses | 3,375,000 | 3,200,000 | 3,126,000 | 3,000,000 |
| Securities available for sale | 35,841,000 | 32,664,000 | 31,625,000 | 35,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,058,000 | 146,052,000 | 156,427,000 | 155,559,000 |
| Interest-bearing deposits | 113,023,000 | 116,662,000 | 120,814,000 | 112,698,000 |
| Noninterest-bearing deposits | 29,035,000 | 29,390,000 | 35,613,000 | 42,861,000 |
| Equity capital | 19,534,000 | 19,420,000 | 19,491,000 | 19,517,000 |
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 | 1,468,000 | 2,930,000 | 4,315,000 | 5,880,000 |
| Interest expense | 115,000 | 234,000 | 355,000 | 472,000 |
| Net interest income | 1,353,000 | 2,696,000 | 3,960,000 | 5,408,000 |
| Noninterest income | 35,000 | 78,000 | 120,000 | 158,000 |
| Noninterest expense | 933,000 | 1,810,000 | 2,683,000 | 3,873,000 |
| Provision for loan losses | 42,000 | 164,000 | 187,000 | 254,000 |
| Pretax income | 419,000 | 869,000 | 1,292,000 | 1,554,000 |
| Income tax | 105,000 | 252,000 | 387,000 | 495,000 |
| Net income | 314,000 | 617,000 | 905,000 | 1,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,421,000 | 19,724,000 | 19,816,000 | 19,969,000 |
| Total capital | 21,081,000 | 21,081,000 | 21,187,000 | 21,346,000 |
| Risk-weighted assets | 131,112,000 | 106,734,000 | 107,931,000 | 108,575,000 |
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