Call reports 2020
INSBANK — 2020
What INSBANK 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 | 561,055,000 | 591,695,000 | 583,743,000 | 614,870,000 |
| Total loans | 464,737,000 | 500,025,000 | 500,133,000 | 525,235,000 |
| Allowance for loan losses | 5,680,000 | 6,480,000 | 7,015,000 | 7,365,000 |
| Securities available for sale | 25,402,000 | 23,507,000 | 19,304,000 | 17,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 441,794,000 | 464,722,000 | 447,704,000 | 470,435,000 |
| Interest-bearing deposits | 399,218,000 | 397,941,000 | 384,684,000 | 417,758,000 |
| Noninterest-bearing deposits | 42,576,000 | 66,781,000 | 63,020,000 | 52,677,000 |
| Equity capital | 62,770,000 | 63,468,000 | 63,758,000 | 64,208,000 |
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 | 6,017,000 | 11,781,000 | 17,082,000 | 22,696,000 |
| Interest expense | 2,125,000 | 3,976,000 | 5,638,000 | 7,222,000 |
| Net interest income | 3,892,000 | 7,805,000 | 11,444,000 | 15,474,000 |
| Noninterest income | 293,000 | 611,000 | 876,000 | 1,168,000 |
| Noninterest expense | 2,608,000 | 5,015,000 | 7,430,000 | 9,960,000 |
| Provision for loan losses | 300,000 | 1,100,000 | 1,850,000 | 2,400,000 |
| Pretax income | 1,277,000 | 2,301,000 | 3,040,000 | 4,282,000 |
| Income tax | 315,000 | 562,000 | 735,000 | 870,000 |
| Net income | 962,000 | 1,739,000 | 2,305,000 | 3,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,530,000 | 63,128,000 | 63,429,000 | 64,035,000 |
| Total capital | 68,210,000 | 69,405,000 | 69,677,000 | 70,657,000 |
| Risk-weighted assets | 506,976,000 | 502,022,000 | 499,119,000 | 529,050,000 |