Call reports 2015
INSBANK — 2015
What INSBANK 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 | 266,569,000 | 297,046,000 | 315,051,000 | 318,502,000 |
| Total loans | 228,580,000 | 251,482,000 | 257,058,000 | 262,401,000 |
| Allowance for loan losses | 2,820,000 | 3,052,000 | 3,155,000 | 3,240,000 |
| Securities available for sale | 16,080,000 | 16,222,000 | 16,643,000 | 19,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 28,000 | 12,000 | 3,000 | 2,000 |
| Total deposits | 197,473,000 | 230,953,000 | 247,866,000 | 249,452,000 |
| Interest-bearing deposits | 185,144,000 | 217,695,000 | 232,944,000 | 234,153,000 |
| Noninterest-bearing deposits | 12,329,000 | 13,258,000 | 14,922,000 | 15,299,000 |
| Equity capital | 26,123,000 | 28,048,000 | 28,692,000 | 29,915,000 |
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 | 2,783,000 | 5,893,000 | 9,239,000 | 12,591,000 |
| Interest expense | 598,000 | 1,255,000 | 1,991,000 | 2,817,000 |
| Net interest income | 2,185,000 | 4,638,000 | 7,248,000 | 9,774,000 |
| Noninterest income | 517,000 | 1,301,000 | 2,056,000 | 2,802,000 |
| Noninterest expense | 1,786,000 | 3,808,000 | 5,915,000 | 7,855,000 |
| Provision for loan losses | 124,000 | 394,000 | 554,000 | 699,000 |
| Pretax income | 803,000 | 1,748,000 | 2,846,000 | 4,033,000 |
| Income tax | 294,000 | 638,000 | 1,042,000 | 1,447,000 |
| Net income | 509,000 | 1,110,000 | 1,804,000 | 2,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,954,000 | 27,947,000 | 28,519,000 | 29,831,000 |
| Total capital | 28,774,000 | 30,999,000 | 31,674,000 | 33,071,000 |
| Risk-weighted assets | 231,141,000 | 252,339,000 | 272,471,000 | 280,943,000 |