Call reports 2014
INDUSTRY STATE BANK — 2014
What INDUSTRY STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 585,328,000 | 599,293,000 | 607,871,000 | 638,794,000 |
| Total loans | 120,112,000 | 121,142,000 | 120,698,000 | 120,720,000 |
| Allowance for loan losses | 2,169,000 | 2,175,000 | 2,113,000 | 2,120,000 |
| Securities available for sale | 429,886,000 | 442,098,000 | 444,008,000 | 473,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 533,808,000 | 538,016,000 | 542,904,000 | 567,180,000 |
| Interest-bearing deposits | 468,090,000 | 475,419,000 | 481,158,000 | 488,615,000 |
| Noninterest-bearing deposits | 65,718,000 | 62,597,000 | 61,747,000 | 78,565,000 |
| Equity capital | 46,727,000 | 56,759,000 | 60,254,000 | 67,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,364,000 | 10,988,000 | 16,477,000 | 21,999,000 |
| Interest expense | 1,429,000 | 2,864,000 | 4,301,000 | 5,741,000 |
| Net interest income | 3,935,000 | 8,124,000 | 12,176,000 | 16,258,000 |
| Noninterest income | 1,747,000 | 3,243,000 | 4,828,000 | 6,264,000 |
| Noninterest expense | 2,626,000 | 5,193,000 | 7,944,000 | 10,710,000 |
| Provision for loan losses | 6,000 | 12,000 | -1,000 | 5,000 |
| Pretax income | 3,084,000 | 6,239,000 | 9,233,000 | 12,115,000 |
| Income tax | 709,000 | 1,400,000 | 2,035,000 | 2,831,000 |
| Net income | 2,375,000 | 4,839,000 | 7,198,000 | 9,284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,359,000 | 56,149,000 | 58,559,000 | 59,662,000 |
| Total capital | 56,528,000 | 58,324,000 | 60,672,000 | 61,782,000 |
| Risk-weighted assets | 245,700,000 | 246,606,000 | 241,237,000 | 247,072,000 |