Call reports 2015
INTERSTATE BANK — 2015
What INTERSTATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 189,763,000 | 184,731,000 | 178,722,000 | 185,087,000 |
| Total loans | 88,980,000 | 94,993,000 | 99,507,000 | 108,773,000 |
| Allowance for loan losses | 925,000 | 995,000 | 1,055,000 | 1,108,000 |
| Securities available for sale | 72,241,000 | 64,032,000 | 59,337,000 | 53,153,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,113,000 | 166,623,000 | 159,630,000 | 154,039,000 |
| Interest-bearing deposits | 117,026,000 | 126,961,000 | 126,932,000 | 122,134,000 |
| Noninterest-bearing deposits | 55,087,000 | 39,662,000 | 32,699,000 | 31,906,000 |
| Equity capital | 17,365,000 | 17,348,000 | 17,980,000 | 17,856,000 |
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 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,496,000 | 3,044,000 | 4,626,000 | 6,304,000 |
| Interest expense | 44,000 | 86,000 | 133,000 | 186,000 |
| Net interest income | 1,452,000 | 2,958,000 | 4,493,000 | 6,118,000 |
| Noninterest income | 462,000 | 965,000 | 1,575,000 | 2,054,000 |
| Noninterest expense | 1,519,000 | 2,840,000 | 4,225,000 | 5,707,000 |
| Provision for loan losses | 0 | 100,000 | 190,000 | 360,000 |
| Pretax income | 413,000 | 1,001,000 | 1,693,000 | 2,176,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 413,000 | 1,001,000 | 1,693,000 | 2,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,060,000 | 16,199,000 | 16,532,000 | 16,715,000 |
| Total capital | 16,986,000 | 17,195,000 | 17,588,000 | 17,823,000 |
| Risk-weighted assets | 119,060,000 | 126,262,000 | 131,121,000 | 129,159,000 |
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