Call reports 2020
INDUSTRY STATE BANK — 2020
What INDUSTRY STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 922,109,000 | 933,977,000 | 904,752,000 | 929,934,000 |
| Total loans | 193,456,000 | 193,736,000 | 201,475,000 | 198,477,000 |
| Allowance for loan losses | 2,940,000 | 3,462,000 | 3,701,000 | 3,983,000 |
| Securities available for sale | 666,322,000 | 681,883,000 | 650,243,000 | 659,077,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 774,840,000 | 780,236,000 | 768,477,000 | 791,035,000 |
| Interest-bearing deposits | 669,304,000 | 665,788,000 | 655,952,000 | 674,322,000 |
| Noninterest-bearing deposits | 105,536,000 | 114,448,000 | 112,525,000 | 116,713,000 |
| Equity capital | 111,020,000 | 116,964,000 | 123,516,000 | 125,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 7,327,000 | 14,679,000 | 21,492,000 | 28,064,000 |
| Interest expense | 3,010,000 | 5,523,000 | 7,439,000 | 9,049,000 |
| Net interest income | 4,317,000 | 9,156,000 | 14,053,000 | 19,015,000 |
| Noninterest income | 3,416,000 | 5,424,000 | 7,887,000 | 10,257,000 |
| Noninterest expense | 4,242,000 | 8,309,000 | 12,337,000 | 16,496,000 |
| Provision for loan losses | 196,000 | 749,000 | 1,049,000 | 1,399,000 |
| Pretax income | 5,971,000 | 9,702,000 | 14,199,000 | 17,242,000 |
| Income tax | 126,000 | 720,000 | 1,184,000 | 1,174,000 |
| Net income | 5,845,000 | 8,982,000 | 13,015,000 | 16,068,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,407,000 | 94,196,000 | 98,480,000 | 99,186,000 |