Call reports 2014
INDEPENDENT BANK DBA INDEPENDENT FINANCIAL — 2014
What INDEPENDENT BANK DBA INDEPENDENT FINANCIAL reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 2,351,135,000 | 3,651,806,000 | 3,742,191,000 | 4,127,466,000 |
| Total loans | 1,895,273,000 | 2,850,043,000 | 2,892,736,000 | 3,205,050,000 |
| Allowance for loan losses | 14,841,000 | 16,219,000 | 16,840,000 | 18,552,000 |
| Securities available for sale | 204,539,000 | 249,856,000 | 235,844,000 | 206,062,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,903,587,000 | 2,860,004,000 | 2,837,254,000 | 3,255,371,000 |
| Interest-bearing deposits | 1,537,949,000 | 2,141,944,000 | 2,097,817,000 | 2,431,575,000 |
| Noninterest-bearing deposits | 365,638,000 | 718,060,000 | 739,437,000 | 823,796,000 |
| Equity capital | 262,598,000 | 507,783,000 | 564,652,000 | 623,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 25,162,000 | 60,339,000 | 97,180,000 | 140,132,000 |
| Interest expense | 2,759,000 | 6,162,000 | 9,670,000 | 13,219,000 |
| Net interest income | 22,403,000 | 54,177,000 | 87,510,000 | 126,913,000 |
| Noninterest income | 2,331,000 | 5,335,000 | 9,631,000 | 13,223,000 |
| Noninterest expense | 14,710,000 | 37,422,000 | 57,444,000 | 80,132,000 |
| Provision for loan losses | 1,253,000 | 2,632,000 | 3,608,000 | 5,359,000 |
| Pretax income | 8,771,000 | 19,458,000 | 36,089,000 | 55,006,000 |
| Income tax | 2,909,000 | 6,422,000 | 12,008,000 | 18,210,000 |
| Net income | 5,862,000 | 13,036,000 | 24,081,000 | 36,796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 215,761,000 | 287,978,000 | 344,511,000 | 378,960,000 |
| Total capital | 230,602,000 | 304,197,000 | 361,351,000 | 397,512,000 |
| Risk-weighted assets | 1,862,904,000 | 2,825,978,000 | 2,874,962,000 | 3,190,239,000 |
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