Call reports 2014
INSBANK — 2014
What INSBANK 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 | 235,809,000 | 240,741,000 | 254,473,000 | 262,333,000 |
| Total loans | 186,616,000 | 198,335,000 | 213,874,000 | 219,580,000 |
| Allowance for loan losses | 2,512,000 | 2,533,000 | 2,635,000 | 2,740,000 |
| Securities available for sale | 17,522,000 | 16,838,000 | 16,020,000 | 14,367,000 |
| Securities held to maturity | 1,000,000 | 0 | 0 | 0 |
| Trading assets | 70,000 | 27,000 | 31,000 | 20,000 |
| Total deposits | 176,142,000 | 180,074,000 | 190,786,000 | 199,317,000 |
| Interest-bearing deposits | 160,567,000 | 158,680,000 | 170,219,000 | 181,894,000 |
| Noninterest-bearing deposits | 15,575,000 | 21,394,000 | 20,567,000 | 17,423,000 |
| Equity capital | 24,321,000 | 24,883,000 | 25,407,000 | 25,712,000 |
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 | 2,398,000 | 4,944,000 | 7,663,000 | 10,500,000 |
| Interest expense | 502,000 | 1,021,000 | 1,564,000 | 2,159,000 |
| Net interest income | 1,896,000 | 3,923,000 | 6,099,000 | 8,341,000 |
| Noninterest income | 98,000 | 245,000 | 543,000 | 879,000 |
| Noninterest expense | 1,268,000 | 2,639,000 | 4,114,000 | 5,677,000 |
| Provision for loan losses | 0 | 20,000 | 180,000 | 330,000 |
| Pretax income | 726,000 | 1,509,000 | 2,348,000 | 3,213,000 |
| Income tax | 260,000 | 542,000 | 847,000 | 1,105,000 |
| Net income | 466,000 | 967,000 | 1,501,000 | 2,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,163,000 | 24,664,000 | 25,198,000 | 25,394,000 |
| Total capital | 26,675,000 | 27,197,000 | 27,833,000 | 28,134,000 |
| Risk-weighted assets | 209,005,000 | 220,666,000 | 235,756,000 | 239,145,000 |
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