Call reports 2016
INDUSTRY STATE BANK — 2016
What INDUSTRY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 702,713,000 | 717,426,000 | 723,005,000 | 718,392,000 |
| Total loans | 140,072,000 | 145,163,000 | 145,246,000 | 150,660,000 |
| Allowance for loan losses | 2,222,000 | 2,293,000 | 2,371,000 | 2,413,000 |
| Securities available for sale | 526,634,000 | 531,709,000 | 526,612,000 | 512,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 614,908,000 | 618,563,000 | 623,857,000 | 639,373,000 |
| Interest-bearing deposits | 548,681,000 | 551,906,000 | 550,609,000 | 566,312,000 |
| Noninterest-bearing deposits | 66,227,000 | 66,657,000 | 73,248,000 | 73,061,000 |
| Equity capital | 81,249,000 | 90,466,000 | 91,325,000 | 74,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,980,000 | 12,011,000 | 17,887,000 | 23,804,000 |
| Interest expense | 1,604,000 | 3,240,000 | 4,872,000 | 6,496,000 |
| Net interest income | 4,376,000 | 8,771,000 | 13,015,000 | 17,308,000 |
| Noninterest income | 2,204,000 | 3,822,000 | 5,374,000 | 6,776,000 |
| Noninterest expense | 3,019,000 | 5,892,000 | 8,717,000 | 11,598,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 3,838,000 | 7,305,000 | 10,625,000 | 13,569,000 |
| Income tax | 629,000 | 1,129,000 | 1,723,000 | 2,177,000 |
| Net income | 3,209,000 | 6,176,000 | 8,902,000 | 11,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,248,000 | 71,986,000 | 74,756,000 | 75,611,000 |
| Total capital | 72,470,000 | 74,279,000 | 77,127,000 | 78,024,000 |
| Risk-weighted assets | 274,602,000 | 282,103,000 | 283,901,000 | 296,314,000 |