Call reports 2013
INDUSTRY STATE BANK — 2013
What INDUSTRY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 532,100,000 | 536,362,000 | 546,976,000 | 557,481,000 |
| Total loans | 123,531,000 | 123,997,000 | 119,342,000 | 124,782,000 |
| Allowance for loan losses | 2,858,000 | 2,868,000 | 1,863,000 | 2,131,000 |
| Securities available for sale | 388,469,000 | 381,279,000 | 387,883,000 | 391,804,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 474,933,000 | 481,650,000 | 503,386,000 | 515,112,000 |
| Interest-bearing deposits | 421,459,000 | 426,639,000 | 442,210,000 | 462,012,000 |
| Noninterest-bearing deposits | 53,474,000 | 55,011,000 | 61,176,000 | 53,100,000 |
| Equity capital | 51,474,000 | 43,441,000 | 39,320,000 | 38,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,733,000 | 9,717,000 | 14,877,000 | 20,239,000 |
| Interest expense | 1,399,000 | 2,788,000 | 4,191,000 | 5,637,000 |
| Net interest income | 3,334,000 | 6,929,000 | 10,686,000 | 14,602,000 |
| Noninterest income | 1,742,000 | 3,220,000 | 4,669,000 | 6,020,000 |
| Noninterest expense | 2,411,000 | 4,803,000 | 7,415,000 | 10,097,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 300,000 |
| Pretax income | 3,109,000 | 5,984,000 | 8,428,000 | 10,895,000 |
| Income tax | 399,000 | 648,000 | 782,000 | 1,466,000 |
| Net income | 2,710,000 | 5,336,000 | 7,646,000 | 9,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,877,000 | 48,345,000 | 50,700,000 | 51,935,000 |
| Total capital | 49,658,000 | 51,213,000 | 52,563,000 | 54,066,000 |
| Risk-weighted assets | 222,408,000 | 234,085,000 | 234,877,000 | 243,875,000 |