Call reports 2012
BANK INDEPENDENT — 2012
What BANK INDEPENDENT reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,054,432,000 | 1,070,743,000 | 1,077,504,000 | 1,081,660,000 |
| Total loans | 778,688,000 | 807,398,000 | 845,997,000 | 845,284,000 |
| Allowance for loan losses | 9,974,000 | 9,224,000 | 9,497,000 | 9,233,000 |
| Securities available for sale | 52,908,000 | 51,351,000 | 48,657,000 | 50,046,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 880,005,000 | 900,408,000 | 908,031,000 | 912,297,000 |
| Interest-bearing deposits | 816,312,000 | 831,040,000 | 844,265,000 | 627,516,000 |
| Noninterest-bearing deposits | 63,693,000 | 69,368,000 | 63,766,000 | 284,781,000 |
| Equity capital | 134,250,000 | 133,734,000 | 130,905,000 | 131,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 15,402,000 | 30,564,000 | 46,146,000 | 61,491,000 |
| Interest expense | 1,134,000 | 2,201,000 | 3,187,000 | 4,135,000 |
| Net interest income | 14,268,000 | 28,363,000 | 42,959,000 | 57,356,000 |
| Noninterest income | 3,369,000 | 6,589,000 | 9,856,000 | 12,976,000 |
| Noninterest expense | 12,198,000 | 24,360,000 | 36,408,000 | 49,970,000 |
| Provision for loan losses | 750,000 | 1,500,000 | 2,250,000 | 2,689,000 |
| Pretax income | 4,689,000 | 9,092,000 | 14,157,000 | 17,673,000 |
| Income tax | 1,389,000 | 2,759,000 | 4,279,000 | 5,268,000 |
| Net income | 3,300,000 | 6,333,000 | 9,878,000 | 12,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,990,000 | 113,655,000 | 111,124,000 | 112,858,000 |
| Total capital | 123,964,000 | 122,879,000 | 120,621,000 | 122,091,000 |
| Risk-weighted assets | 822,888,000 | 855,037,000 | 888,029,000 | 884,328,000 |