Call reports 2013
INDEPENDENT BANKERS' BANK OF FLORIDA — 2013
What INDEPENDENT BANKERS' BANK OF FLORIDA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 228,690,000 | 218,805,000 | 206,820,000 | 187,776,000 |
| Total loans | 123,300,000 | 115,092,000 | 108,413,000 | 102,481,000 |
| Allowance for loan losses | 4,557,000 | 2,394,000 | 3,900,000 | 3,972,000 |
| Securities available for sale | 51,780,000 | 55,033,000 | 53,348,000 | 51,251,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,684,000 | 164,921,000 | 155,947,000 | 136,870,000 |
| Interest-bearing deposits | 118,099,000 | 113,444,000 | 110,411,000 | 100,421,000 |
| Noninterest-bearing deposits | 53,585,000 | 51,477,000 | 45,536,000 | 36,449,000 |
| Equity capital | 12,718,000 | 9,329,000 | 6,884,000 | 6,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,466,000 | 2,799,000 | 4,058,000 | 5,235,000 |
| Interest expense | 447,000 | 895,000 | 1,346,000 | 1,788,000 |
| Net interest income | 1,019,000 | 1,904,000 | 2,712,000 | 3,447,000 |
| Noninterest income | 1,301,000 | 2,339,000 | 3,985,000 | 4,939,000 |
| Noninterest expense | 3,009,000 | 5,841,000 | 8,522,000 | 11,501,000 |
| Provision for loan losses | 1,929,000 | 2,116,000 | 4,885,000 | 3,685,000 |
| Pretax income | -2,618,000 | -3,714,000 | -6,710,000 | -6,800,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -2,618,000 | -3,714,000 | -6,710,000 | -6,800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,591,000 | 11,494,000 | 8,498,000 | 8,408,000 |
| Total capital | 14,395,000 | 13,189,000 | 10,100,000 | 9,945,000 |
| Risk-weighted assets | 141,527,000 | 134,835,000 | 125,828,000 | 120,567,000 |