Call reports 2019
ISLANDERS BANK — 2019
What ISLANDERS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 278,337,000 | 280,247,000 | 294,847,000 | 297,757,000 |
| Total loans | 190,864,000 | 190,846,000 | 190,928,000 | 191,288,000 |
| Allowance for loan losses | 2,462,000 | 2,401,000 | 2,439,000 | 2,486,000 |
| Securities available for sale | 51,458,000 | 53,240,000 | 50,995,000 | 54,123,000 |
| Securities held to maturity | 8,136,000 | 7,472,000 | 6,650,000 | 5,432,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,343,000 | 245,265,000 | 259,176,000 | 261,592,000 |
| Interest-bearing deposits | 148,899,000 | 148,561,000 | 151,992,000 | 154,641,000 |
| Noninterest-bearing deposits | 95,444,000 | 96,704,000 | 107,184,000 | 106,951,000 |
| Equity capital | 32,512,000 | 33,577,000 | 34,283,000 | 34,905,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,008,000 | 6,071,000 | 9,185,000 | 12,256,000 |
| Interest expense | 89,000 | 178,000 | 272,000 | 372,000 |
| Net interest income | 2,919,000 | 5,893,000 | 8,913,000 | 11,884,000 |
| Noninterest income | 257,000 | 557,000 | 801,000 | 998,000 |
| Noninterest expense | 1,684,000 | 3,378,000 | 5,015,000 | 6,712,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,448,000 | 2,983,000 | 4,563,000 | 5,989,000 |
| Income tax | 260,000 | 540,000 | 832,000 | 1,073,000 |
| Net income | 1,188,000 | 2,443,000 | 3,731,000 | 4,916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,794,000 | 33,422,000 | 34,066,000 | 34,658,000 |
| Total capital | 35,180,000 | 35,804,000 | 36,470,000 | 37,044,000 |
| Risk-weighted assets | 190,770,000 | 190,494,000 | 192,233,000 | 190,726,000 |