Call reports 2009
INDEPENDENT BANKERS' BANK OF FLORIDA — 2009
What INDEPENDENT BANKERS' BANK OF FLORIDA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 392,224,000 | 398,212,000 | 508,984,000 | 473,693,000 |
| Total loans | 262,736,000 | 268,349,000 | 275,456,000 | 252,343,000 |
| Allowance for loan losses | 8,522,000 | 11,143,000 | 13,982,000 | 14,696,000 |
| Securities available for sale | 51,361,000 | 15,810,000 | 33,388,000 | 32,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,692,000 | 290,301,000 | 317,629,000 | 319,441,000 |
| Interest-bearing deposits | 89,286,000 | 30,113,000 | 6,287,000 | 29,395,000 |
| Noninterest-bearing deposits | 206,406,000 | 260,188,000 | 311,342,000 | 290,046,000 |
| Equity capital | 38,842,000 | 38,965,000 | 36,821,000 | 24,826,000 |
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 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,423,000 | 8,367,000 | 12,188,000 | 15,819,000 |
| Interest expense | 1,296,000 | 2,101,000 | 2,680,000 | 3,284,000 |
| Net interest income | 3,127,000 | 6,266,000 | 9,508,000 | 12,535,000 |
| Noninterest income | 2,021,000 | 4,554,000 | 8,655,000 | 10,734,000 |
| Noninterest expense | 4,748,000 | 9,733,000 | 14,474,000 | 19,514,000 |
| Provision for loan losses | 50,000 | 2,450,000 | 8,975,000 | 21,425,000 |
| Pretax income | 550,000 | -288,000 | -4,177,000 | -16,561,000 |
| Income tax | 173,000 | -304,000 | -1,812,000 | -2,520,000 |
| Net income | 377,000 | 16,000 | -2,365,000 | -14,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,241,000 | 38,921,000 | 35,549,000 | 23,997,000 |
| Total capital | 42,260,000 | 43,130,000 | 39,409,000 | 27,542,000 |
| Risk-weighted assets | 316,984,000 | 329,800,000 | 298,671,000 | 272,443,000 |