Call reports 2015
INDEPENDENT BANKERS' BANK OF FLORIDA — 2015
What INDEPENDENT BANKERS' BANK OF FLORIDA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Total assets | 143,213,000 | 137,969,000 |
| Total loans | 68,593,000 | 66,374,000 |
| Allowance for loan losses | 2,767,000 | 2,790,000 |
| Securities available for sale | 45,072,000 | 42,653,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 92,677,000 | 86,282,000 |
| Interest-bearing deposits | 70,395,000 | 65,208,000 |
| Noninterest-bearing deposits | 22,282,000 | 21,074,000 |
| Equity capital | 6,702,000 | 5,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Interest income | 867,000 | 1,780,000 |
| Interest expense | 419,000 | 852,000 |
| Net interest income | 448,000 | 928,000 |
| Noninterest income | 862,000 | 1,733,000 |
| Noninterest expense | 2,083,000 | 4,240,000 |
| Provision for loan losses | -750,000 | -750,000 |
| Pretax income | -23,000 | -829,000 |
| Income tax | 0 | 0 |
| Net income | -23,000 | -829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Tier 1 capital | 6,911,000 | 6,104,000 |
| Total capital | 7,991,000 | 7,148,000 |
| Risk-weighted assets | 84,777,000 | 81,778,000 |