Call reports 2010
INDEPENDENT BANKERS' BANK OF FLORIDA — 2010
What INDEPENDENT BANKERS' BANK OF FLORIDA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 416,015,000 | 323,434,000 | 311,709,000 | 295,675,000 |
| Total loans | 229,237,000 | 211,607,000 | 196,817,000 | 186,559,000 |
| Allowance for loan losses | 15,320,000 | 12,208,000 | 16,073,000 | 13,215,000 |
| Securities available for sale | 52,349,000 | 48,481,000 | 46,958,000 | 6,265,000 |
| Securities held to maturity | 0 | 0 | 0 | 42,222,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,964,000 | 238,904,000 | 238,016,000 | 211,381,000 |
| Interest-bearing deposits | 70,966,000 | 126,490,000 | 102,518,000 | 88,307,000 |
| Noninterest-bearing deposits | 211,998,000 | 112,414,000 | 135,498,000 | 123,074,000 |
| Equity capital | 24,439,000 | 29,005,000 | 24,400,000 | 22,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,340,000 | 6,283,000 | 8,855,000 | 11,173,000 |
| Interest expense | 831,000 | 1,759,000 | 2,616,000 | 3,397,000 |
| Net interest income | 2,509,000 | 4,524,000 | 6,239,000 | 7,776,000 |
| Noninterest income | 2,113,000 | 4,280,000 | 5,913,000 | 7,627,000 |
| Noninterest expense | 4,080,000 | 7,626,000 | 11,283,000 | 16,615,000 |
| Provision for loan losses | 1,500,000 | 3,487,000 | 7,807,000 | 8,432,000 |
| Pretax income | -853,000 | -2,175,000 | -6,804,000 | -9,462,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -853,000 | -2,175,000 | -6,804,000 | -9,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,644,000 | 27,627,000 | 22,997,000 | 20,533,000 |
| Total capital | 26,823,000 | 30,557,000 | 25,741,000 | 23,120,000 |
| Risk-weighted assets | 242,211,000 | 225,134,000 | 206,242,000 | 196,386,000 |