Call reports 2019
INDEPENDENT BANK DBA INDEPENDENT FINANCIAL — 2019
What INDEPENDENT BANK DBA INDEPENDENT FINANCIAL reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 14,137,396,000 | 14,702,964,000 | 14,954,237,000 | 14,953,260,000 |
| Total loans | 10,963,048,000 | 11,341,013,000 | 11,627,530,000 | 11,649,492,000 |
| Allowance for loan losses | 46,505,000 | 51,075,000 | 50,447,000 | 51,461,000 |
| Securities available for sale | 1,074,310,000 | 1,104,520,000 | 1,083,816,000 | 1,085,936,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,248,880,000 | 11,545,421,000 | 11,737,806,000 | 11,949,758,000 |
| Interest-bearing deposits | 8,149,632,000 | 8,377,586,000 | 8,509,830,000 | 8,701,151,000 |
| Noninterest-bearing deposits | 3,099,248,000 | 3,167,835,000 | 3,227,976,000 | 3,248,607,000 |
| Equity capital | 2,467,229,000 | 2,502,698,000 | 2,560,778,000 | 2,588,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 154,081,000 | 321,738,000 | 487,038,000 | 651,417,000 |
| Interest expense | 30,467,000 | 64,783,000 | 100,901,000 | 133,586,000 |
| Net interest income | 123,614,000 | 256,955,000 | 386,137,000 | 517,831,000 |
| Noninterest income | 15,403,000 | 31,666,000 | 59,113,000 | 77,345,000 |
| Noninterest expense | 68,678,000 | 140,088,000 | 205,203,000 | 277,799,000 |
| Provision for loan losses | 3,224,000 | 7,963,000 | 13,196,000 | 14,805,000 |
| Pretax income | 67,360,000 | 140,835,000 | 227,116,000 | 302,847,000 |
| Income tax | 13,929,000 | 29,587,000 | 47,982,000 | 64,594,000 |
| Net income | 53,431,000 | 111,248,000 | 179,134,000 | 238,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,380,764,000 | 1,404,062,000 | 1,463,771,000 | 1,496,642,000 |
| Total capital | 1,427,269,000 | 1,455,137,000 | 1,514,218,000 | 1,548,103,000 |
| Risk-weighted assets | 11,942,332,000 | 12,475,590,000 | 12,747,777,000 | 12,786,622,000 |
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