Call reports 2008
INDEPENDENT BANKERS' BANK — 2008
What INDEPENDENT BANKERS' BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 582,040,000 | 576,328,000 | 590,023,000 | 612,302,000 |
| Total loans | 160,050,000 | 165,305,000 | 183,509,000 | 190,107,000 |
| Allowance for loan losses | 3,200,000 | 3,500,000 | 3,684,000 | 4,466,000 |
| Securities available for sale | 369,100,000 | 329,313,000 | 295,261,000 | 318,198,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,290,000 | 256,232,000 | 256,889,000 | 277,694,000 |
| Interest-bearing deposits | 162,317,000 | 175,694,000 | 176,800,000 | 168,056,000 |
| Noninterest-bearing deposits | 86,973,000 | 80,538,000 | 80,089,000 | 109,638,000 |
| Equity capital | 35,584,000 | 35,248,000 | 19,078,000 | 6,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,597,000 | 14,542,000 | 21,434,000 | 28,776,000 |
| Interest expense | 4,096,000 | 7,691,000 | 11,330,000 | 14,222,000 |
| Net interest income | 3,501,000 | 6,851,000 | 10,104,000 | 14,554,000 |
| Noninterest income | 2,833,000 | 5,385,000 | 7,925,000 | 10,507,000 |
| Noninterest expense | 4,160,000 | 8,401,000 | 12,494,000 | 14,878,000 |
| Provision for loan losses | 30,000 | 330,000 | 360,000 | 1,518,000 |
| Pretax income | 1,851,000 | 3,068,000 | 3,913,000 | -18,420,000 |
| Income tax | 434,000 | 646,000 | 773,000 | -4,231,000 |
| Net income | 1,417,000 | 2,422,000 | 3,140,000 | -14,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,209,000 | 50,717,000 | 51,435,000 | 30,781,000 |
| Total capital | 48,409,000 | 54,217,000 | 55,119,000 | 35,247,000 |
| Risk-weighted assets | 397,719,000 | 397,401,000 | 424,540,000 | 471,521,000 |