Call reports 2012
INDUSTRY STATE BANK — 2012
What INDUSTRY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 473,323,000 | 497,530,000 | 510,569,000 | 529,585,000 |
| Total loans | 121,235,000 | 117,637,000 | 119,019,000 | 116,728,000 |
| Allowance for loan losses | 2,566,000 | 2,689,000 | 2,734,000 | 2,858,000 |
| Securities available for sale | 330,867,000 | 348,982,000 | 364,549,000 | 381,573,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 421,510,000 | 441,136,000 | 451,623,000 | 473,690,000 |
| Interest-bearing deposits | 404,519,000 | 388,156,000 | 400,229,000 | 418,803,000 |
| Noninterest-bearing deposits | 16,991,000 | 52,980,000 | 51,394,000 | 54,887,000 |
| Equity capital | 46,816,000 | 50,202,000 | 52,765,000 | 51,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,805,000 | 9,660,000 | 14,404,000 | 19,158,000 |
| Interest expense | 1,406,000 | 2,834,000 | 4,258,000 | 5,674,000 |
| Net interest income | 3,399,000 | 6,826,000 | 10,146,000 | 13,484,000 |
| Noninterest income | 1,836,000 | 3,221,000 | 4,586,000 | 5,977,000 |
| Noninterest expense | 2,319,000 | 4,646,000 | 7,016,000 | 11,429,000 |
| Provision for loan losses | 126,000 | 288,000 | 378,000 | 468,000 |
| Pretax income | 3,286,000 | 6,412,000 | 9,377,000 | 10,486,000 |
| Income tax | 536,000 | 988,000 | 1,426,000 | 1,184,000 |
| Net income | 2,750,000 | 5,424,000 | 7,951,000 | 9,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,255,000 | 39,661,000 | 42,292,000 | 44,121,000 |
| Total capital | 40,612,000 | 42,062,000 | 44,774,000 | 46,724,000 |
| Risk-weighted assets | 188,318,000 | 191,753,000 | 198,305,000 | 207,945,000 |