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8-K - FORM 8-K - INTERVEST BANCSHARES CORPd487492d8k.htm
NASDAQ Ticker: IBCA
www.intervestbancsharescorporation.com
www.intervestnatbank.com
Lowell S. Dansker –
Chairman -
CEO
INTERVEST BANCSHARES CORPORATION
Parent of Intervest National Bank
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FORWARD-LOOKING
STATEMENTS
This presentation may contain certain forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995. All statements, other than statements of
historical facts, included herein that address future activities, events or developments that we expect or anticipate will or may occur in the future are forward-looking statements.  Forward-
looking statements involve assumptions and are subject to known and unknown risks and uncertainties that could cause actual results or performance to differ materially from those expressed
or implied by such forward-looking statements. Although we believe that the assumptions reflected in forward-looking statements are reasonable as of the date of this presentation, we can give
no assurance that such assumptions will prove to have been correct. You should also know that forward-looking statements are not guarantees of future performance and are subject to risks,
uncertainties and assumptions. Should any of these risks or uncertainties materialize, or should any of our assumptions prove incorrect, actual results may differ materially from those included
within our forward-looking statements. These and other risks and uncertainties associated with our business are described in our public reports, including our Annual Report on Form 10-K for
the year ended December 31, 2011 filed with the Securities and Exchange Commission. We do not assume any obligation and do not intend to update these forward-looking statements.
Exhibit 99.1


INTERVEST BANCSHARES CORPORATION
Parent of Intervest National Bank
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Intervest is a niche player focusing on multifamily and commercial
real estate lending
Experienced senior management team with 124 years of banking
and mortgage lending experience with 57 years at Intervest.
Attractive footprint: NYC metro area and Florida market
Stable to improving asset quality
EPS up 6.7% yr/yr, ROE of 6.82%, 14.71% Tier 1 capital
Bank substantially strengthened through the financial crisis with
additions to management and capital build ($207M)
Overview


INTERVEST BANCSHARES CORPORATION
Parent of Intervest National Bank
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Commercial Real Estate Portfolio
2012
Portfolio Size: $1.1B
Average Life: 3.9 Years
Well Diversified
Average Loan Size: $2.0M
Largest CRE Credit: $15.6M
Commercial
Real Estate
76.6%
Multifamily
18.8%
Land
0.6%
1-4 Family
3.8%
Commercial
Business
0.1%
Consumer
0.0%


INTERVEST BANCSHARES CORPORATION
Parent of Intervest National Bank
Robust Core Business Generation
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Commercial Real Estate Loan Originations & Payoffs
($ Millions)
600
500
400
300
200
100
0
2004
2005
2006
2007
2008
2009
2011
2012
Originations
Net Payoffs
545
192
580
237
437
321
492
343
355
198
225
174
73
368
75
199
230
249
Originations
Net Payoffs
2010


INTERVEST BANCSHARES CORPORATION
Parent of Intervest National Bank
5
Asset Quality
*
Includes impact of one time bulk sale.
6.54%
5.18%
0.45%
0.54%
0.95%
7.35%
0.29%
3.93%
4.56%
3.97%
2012
2011
2010
2009
2008
Loss Rate
NPA / Total Assets
2009
2008
2012
2011
2010
TDR / NPA
58.70%
53.45%
26.85%
27.47%
0.00%
Non-Performing Assets
($ Millions)
($ Millions)
Chargeoffs*
9
OREO
32
OREO
27
OREO
28
OREO
16
OREO
109
124
53
57
57
46
5
10
116
13
5


INTERVEST BANCSHARES CORPORATION
Parent of Intervest National Bank
Strong Capital
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10.8%
10.1%
9.6%
11.2%
14.7%
2008
2009
2010
2011
2012
Tier 1 Capital Ratio


INTERVEST BANCSHARES CORPORATION
Parent of Intervest National Bank
Solid Net Interest Margin
Holding Up Despite Difficult Conditions
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6.00%
5.00%
4.00%
3.00%
2.00%
1.00%
0.00%
2004
2005
2006
2007
2008
2009
2010
2011
2012
NIM
Fed Funds


INTERVEST BANCSHARES CORPORATION
Parent of Intervest National Bank
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*Weighted Average
Yield*
Avg Life
CRE Loans
5.98%
3.88
Multifamily Loans
5.57%
3.96
Other Loans
5.41%
1.71
US Govt Agency
0.93%
1.61
Mortgage Backed
1.07%
3.12
Other Securities
3.78%
11.25
Other
0.71%
1.62
4.47%
3.39
Attractive Earning Asset Mix
2012
$1.5B
CRE Loans
54.7%
Multifamily
Loans
16.0%
US Govt
Agency
22.2%
Other
0.6%
Other
Securities
0.9%
Mortgage
Backed
5.6%
Other Loans
0.1%


INTERVEST BANCSHARES CORPORATION
Parent of Intervest National Bank
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Sustaining Business Momentum
Grow Commercial Real Estate Client Base
Continue to Take Advantage of Competitive Disruption
Expand Customized Loan Products
Strengthened Management Infrastructure
Hired Additional:
Senior Lender
Relationship Managers
Focal Points


INTERVEST BANCSHARES CORPORATION
Parent of Intervest National Bank
Funding Mix
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Time Deposit Maturities
($ Millions)
Weighted Average Cost
3.88%
2.84%
3.02%
1.53%
2.79%
2.92%
>2017
2017
2016
2015
2014
2013
519
182
89
60
79
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Total Deposits
$1.4B
Demand
Deposits
0.4%
Interest
Checking
1.1%
Savings
2.9%
Money Market
27.2%
Time Deposits
68.4%


Who We
Are
INTERVEST BANCSHARES CORPORATION
Parent of Intervest National Bank
Main Sub:
Market:
Loans:
Investments:
Deposits:
Equity:
NASDAQ:
Intervest National Bank
United States
$1.1B
$459M
$1.4B
$255M
IBCA
11


INTERVEST BANCSHARES CORPORATION
Parent of Intervest National Bank
Solid, high-quality earnings performance
Disciplined risk management culture
Strong tangible and regulatory capital
In depth market knowledge
12
Key Messages


INTERVEST BANCSHARES CORPORATION
Parent of Intervest National Bank
13
Company Footprint
Company Footprint
7 Branches
7 Branches


INTERVEST BANCSHARES CORPORATION
Parent of Intervest National Bank
EPS up 6.7% in 2012
Excellent commercial real estate loan growth
Reduction in classified assets
Increase in Tier 1 capital level to 14.7%
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Detailing 2012 Accomplishments


INTERVEST BANCSHARES CORPORATION
Parent of Intervest National Bank
Excellent commercial loan production
Stable to improving net interest margin
ROAA 0.66% 2012  vs. 0.56% 2011
Stable asset quality, 16% reduction in
classified assets 2012 vs. 2011
Strong capital
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Financial Results
Net Earnings
($ Millions)
+ 9.5%
9.5
10.4
Diluted EPS
$0.48
$0.45
2012
2011


INTERVEST BANCSHARES CORPORATION
Parent of Intervest National Bank
Longstanding underwriting conservatism
Loan portfolio largely based within footprint
In-depth knowledge of local markets
No wholesale originations of any loan type
Expedited problem loan resolution
No construction or development loans
Disciplined Credit Culture
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