Call reports 2012
INDEPENDENT BANK DBA INDEPENDENT FINANCIAL — 2012
What INDEPENDENT BANK DBA INDEPENDENT FINANCIAL 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 | 1,290,678,000 | 1,459,968,000 | 1,499,461,000 | 1,728,782,000 |
| Total loans | 1,005,084,000 | 1,185,369,000 | 1,229,832,000 | 1,378,676,000 |
| Allowance for loan losses | 9,328,000 | 9,894,000 | 10,902,000 | 11,478,000 |
| Securities available for sale | 91,089,000 | 95,746,000 | 98,427,000 | 113,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,087,991,000 | 1,204,901,000 | 1,225,337,000 | 1,392,856,000 |
| Interest-bearing deposits | 886,390,000 | 1,011,153,000 | 1,013,675,000 | 1,131,077,000 |
| Noninterest-bearing deposits | 201,601,000 | 193,748,000 | 211,662,000 | 261,779,000 |
| Equity capital | 117,553,000 | 146,473,000 | 148,606,000 | 166,711,000 |
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 | 15,506,000 | 33,222,000 | 51,494,000 | 71,890,000 |
| Interest expense | 2,627,000 | 5,388,000 | 8,066,000 | 10,734,000 |
| Net interest income | 12,879,000 | 27,834,000 | 43,428,000 | 61,156,000 |
| Noninterest income | 1,640,000 | 2,872,000 | 4,876,000 | 7,949,000 |
| Noninterest expense | 9,400,000 | 19,751,000 | 30,447,000 | 43,732,000 |
| Provision for loan losses | 575,000 | 1,242,000 | 2,255,000 | 3,183,000 |
| Pretax income | 4,544,000 | 9,713,000 | 15,600,000 | 22,187,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,544,000 | 9,713,000 | 15,600,000 | 22,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,817,000 | 116,660,000 | 118,659,000 | 132,168,000 |
| Total capital | 111,145,000 | 126,554,000 | 129,561,000 | 143,646,000 |
| Risk-weighted assets | 973,463,000 | 1,111,734,000 | 1,157,199,000 | 1,297,377,000 |