Call reports 2015
INDUSTRY STATE BANK — 2015
What INDUSTRY STATE 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 | 641,452,000 | 627,221,000 | 664,338,000 | 692,042,000 |
| Total loans | 118,043,000 | 118,381,000 | 117,711,000 | 123,382,000 |
| Allowance for loan losses | 2,134,000 | 2,139,000 | 2,144,000 | 2,139,000 |
| Securities available for sale | 491,520,000 | 479,692,000 | 507,170,000 | 531,827,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 565,738,000 | 556,674,000 | 589,002,000 | 610,452,000 |
| Interest-bearing deposits | 494,720,000 | 485,764,000 | 522,037,000 | 534,554,000 |
| Noninterest-bearing deposits | 71,018,000 | 70,910,000 | 66,965,000 | 75,898,000 |
| Equity capital | 70,694,000 | 63,306,000 | 70,749,000 | 76,179,000 |
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 | 5,547,000 | 11,081,000 | 17,229,000 | 23,083,000 |
| Interest expense | 1,407,000 | 2,804,000 | 4,260,000 | 5,821,000 |
| Net interest income | 4,140,000 | 8,277,000 | 12,969,000 | 17,262,000 |
| Noninterest income | 2,027,000 | 3,686,000 | 5,210,000 | 6,667,000 |
| Noninterest expense | 2,703,000 | 5,423,000 | 8,106,000 | 10,962,000 |
| Provision for loan losses | 6,000 | 12,000 | 16,000 | 35,000 |
| Pretax income | 3,963,000 | 7,362,000 | 11,070,000 | 14,043,000 |
| Income tax | 893,000 | 1,667,000 | 2,516,000 | 3,858,000 |
| Net income | 3,070,000 | 5,695,000 | 8,554,000 | 10,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,477,000 | 62,956,000 | 65,743,000 | 67,198,000 |
| Total capital | 63,611,000 | 65,095,000 | 67,887,000 | 69,337,000 |
| Risk-weighted assets | 253,918,000 | 260,178,000 | 264,354,000 | 275,198,000 |