Call reports 2012
INDEPENDENT BANKERS' BANK OF FLORIDA — 2012
What INDEPENDENT BANKERS' BANK OF FLORIDA 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 | 241,946,000 | 238,323,000 | 248,717,000 | 230,751,000 |
| Total loans | 148,522,000 | 142,704,000 | 144,046,000 | 135,036,000 |
| Allowance for loan losses | 5,772,000 | 5,066,000 | 8,450,000 | 5,061,000 |
| Securities available for sale | 14,161,000 | 50,183,000 | 49,024,000 | 49,806,000 |
| Securities held to maturity | 35,128,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,906,000 | 170,113,000 | 188,366,000 | 170,933,000 |
| Interest-bearing deposits | 54,432,000 | 56,536,000 | 79,756,000 | 128,947,000 |
| Noninterest-bearing deposits | 118,474,000 | 113,577,000 | 108,610,000 | 41,986,000 |
| Equity capital | 17,944,000 | 18,239,000 | 14,905,000 | 15,684,000 |
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 | 1,816,000 | 3,539,000 | 5,216,000 | 6,771,000 |
| Interest expense | 428,000 | 831,000 | 1,216,000 | 1,666,000 |
| Net interest income | 1,388,000 | 2,708,000 | 4,000,000 | 5,105,000 |
| Noninterest income | 1,191,000 | 2,488,000 | 4,081,000 | 5,321,000 |
| Noninterest expense | 3,677,000 | 6,855,000 | 9,821,000 | 11,865,000 |
| Provision for loan losses | -649,000 | -649,000 | 3,254,000 | 2,429,000 |
| Pretax income | -449,000 | -788,000 | -4,539,000 | -3,171,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -449,000 | -788,000 | -4,539,000 | -3,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,932,000 | 17,593,000 | 13,841,000 | 15,208,000 |
| Total capital | 20,020,000 | 19,600,000 | 15,870,000 | 17,143,000 |
| Risk-weighted assets | 163,396,000 | 157,508,000 | 155,934,000 | 151,704,000 |