Call reports 2016
INSBANK — 2016
What INSBANK 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 | 321,956,000 | 337,259,000 | 361,502,000 | 393,417,000 |
| Total loans | 257,967,000 | 275,051,000 | 305,109,000 | 333,840,000 |
| Allowance for loan losses | 3,246,000 | 3,341,000 | 3,694,000 | 4,004,000 |
| Securities available for sale | 22,966,000 | 22,792,000 | 21,577,000 | 19,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 35,000 | 31,000 | 9,000 | 40,000 |
| Total deposits | 247,513,000 | 263,026,000 | 278,225,000 | 310,000,000 |
| Interest-bearing deposits | 230,059,000 | 243,674,000 | 258,552,000 | 291,179,000 |
| Noninterest-bearing deposits | 17,454,000 | 19,352,000 | 19,673,000 | 18,821,000 |
| Equity capital | 30,450,000 | 37,152,000 | 37,796,000 | 40,995,000 |
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 | 3,348,000 | 6,628,000 | 10,125,000 | 14,124,000 |
| Interest expense | 719,000 | 1,466,000 | 2,250,000 | 3,152,000 |
| Net interest income | 2,629,000 | 5,162,000 | 7,875,000 | 10,972,000 |
| Noninterest income | 663,000 | 1,551,000 | 3,081,000 | 3,627,000 |
| Noninterest expense | 2,084,000 | 4,447,000 | 7,191,000 | 9,214,000 |
| Provision for loan losses | 110,000 | 204,000 | 604,000 | 954,000 |
| Pretax income | 1,098,000 | 2,062,000 | 3,166,000 | 4,436,000 |
| Income tax | 409,000 | 762,000 | 1,173,000 | 1,508,000 |
| Net income | 689,000 | 1,300,000 | 1,993,000 | 2,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,288,000 | 36,899,000 | 37,592,000 | 41,027,000 |
| Total capital | 33,534,000 | 40,240,000 | 41,286,000 | 45,031,000 |
| Risk-weighted assets | 274,938,000 | 293,833,000 | 327,776,000 | 370,743,000 |