Call reports 2014
INDEPENDENT BANKERS' BANK OF FLORIDA — 2014
What INDEPENDENT BANKERS' BANK OF FLORIDA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 177,031,000 | 168,925,000 | 165,053,000 | 153,922,000 |
| Total loans | 97,089,000 | 91,737,000 | 83,294,000 | 73,925,000 |
| Allowance for loan losses | 4,038,000 | 4,199,000 | 4,087,000 | 3,960,000 |
| Securities available for sale | 50,390,000 | 49,455,000 | 47,650,000 | 46,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,705,000 | 118,126,000 | 114,434,000 | 102,196,000 |
| Interest-bearing deposits | 101,500,000 | 93,491,000 | 90,479,000 | 78,836,000 |
| Noninterest-bearing deposits | 25,205,000 | 24,635,000 | 23,955,000 | 23,360,000 |
| Equity capital | 6,301,000 | 6,812,000 | 6,552,000 | 6,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,283,000 | 2,437,000 | 3,556,000 | 4,543,000 |
| Interest expense | 431,000 | 877,000 | 1,323,000 | 1,769,000 |
| Net interest income | 852,000 | 1,560,000 | 2,233,000 | 2,774,000 |
| Noninterest income | 1,123,000 | 2,412,000 | 3,685,000 | 4,669,000 |
| Noninterest expense | 2,510,000 | 4,651,000 | 6,763,000 | 8,917,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -535,000 | -679,000 | -845,000 | -1,474,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -535,000 | -679,000 | -845,000 | -1,474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,874,000 | 7,729,000 | 7,563,000 | 6,934,000 |
| Total capital | 9,333,000 | 9,092,000 | 8,807,000 | 8,015,000 |
| Risk-weighted assets | 114,156,000 | 106,183,000 | 96,672,000 | 83,602,000 |