Call reports 2013
INDEPENDENT BANK DBA INDEPENDENT FINANCIAL — 2013
What INDEPENDENT BANK DBA INDEPENDENT FINANCIAL 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 | 1,752,514,000 | 1,894,100,000 | 1,942,964,000 | 2,162,074,000 |
| Total loans | 1,421,996,000 | 1,520,373,000 | 1,559,851,000 | 1,726,545,000 |
| Allowance for loan losses | 11,984,000 | 12,762,000 | 13,145,000 | 13,960,000 |
| Securities available for sale | 114,540,000 | 110,932,000 | 130,987,000 | 194,038,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,419,239,000 | 1,524,634,000 | 1,570,698,000 | 1,734,422,000 |
| Interest-bearing deposits | 1,171,864,000 | 1,223,511,000 | 1,259,170,000 | 1,407,563,000 |
| Noninterest-bearing deposits | 247,375,000 | 301,123,000 | 311,528,000 | 326,859,000 |
| Equity capital | 165,528,000 | 198,538,000 | 203,674,000 | 235,418,000 |
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 | 21,421,000 | 42,526,000 | 64,367,000 | 87,215,000 |
| Interest expense | 2,556,000 | 5,116,000 | 7,652,000 | 10,277,000 |
| Net interest income | 18,865,000 | 37,410,000 | 56,715,000 | 76,938,000 |
| Noninterest income | 2,430,000 | 5,109,000 | 7,572,000 | 9,654,000 |
| Noninterest expense | 13,142,000 | 25,640,000 | 38,767,000 | 52,039,000 |
| Provision for loan losses | 1,030,000 | 2,109,000 | 2,939,000 | 3,822,000 |
| Pretax income | 7,123,000 | 14,770,000 | 22,581,000 | 30,731,000 |
| Income tax | 0 | 1,734,000 | 4,335,000 | 7,044,000 |
| Net income | 7,123,000 | 13,036,000 | 18,246,000 | 23,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 132,017,000 | 168,106,000 | 172,767,000 | 198,696,000 |
| Total capital | 144,001,000 | 180,868,000 | 185,912,000 | 212,656,000 |
| Risk-weighted assets | 1,338,810,000 | 1,447,702,000 | 1,483,549,000 | 1,695,601,000 |
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