Call reports 2009
INDEPENDENT BANKERS' BANK — 2009
What INDEPENDENT BANKERS' BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 |
|---|---|---|---|
| Total assets | 661,543,000 | 695,495,000 | 585,508,000 |
| Total loans | 201,062,000 | 204,986,000 | 141,793,000 |
| Allowance for loan losses | 4,893,000 | 4,446,000 | 5,059,000 |
| Securities available for sale | 278,139,000 | 267,260,000 | 219,023,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 421,629,000 | 557,210,000 | 511,473,000 |
| Interest-bearing deposits | 204,577,000 | 199,525,000 | 173,706,000 |
| Noninterest-bearing deposits | 217,052,000 | 357,685,000 | 337,767,000 |
| Equity capital | 16,721,000 | 23,267,000 | 21,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 |
|---|---|---|---|
| Interest income | 6,183,000 | 11,823,000 | 16,277,000 |
| Interest expense | 2,221,000 | 4,515,000 | 6,783,000 |
| Net interest income | 3,962,000 | 7,308,000 | 9,494,000 |
| Noninterest income | 2,578,000 | 5,795,000 | 10,073,000 |
| Noninterest expense | 4,356,000 | 7,286,000 | 11,016,000 |
| Provision for loan losses | 427,000 | 727,000 | 1,452,000 |
| Pretax income | -5,190,000 | -5,486,000 | -17,053,000 |
| Income tax | 3,506,000 | 3,910,000 | -845,000 |
| Net income | -8,696,000 | -9,396,000 | -16,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 |
|---|---|---|---|
| Tier 1 capital | 53,454,000 | 55,747,000 | 45,403,000 |
| Total capital | 58,347,000 | 60,193,000 | 50,462,000 |
| Risk-weighted assets | 724,153,000 | 720,806,000 | 603,335,000 |