Call reports 2010
ISABELLA BANK — 2010
What ISABELLA BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,099,930,000 | 1,106,576,000 | 1,160,261,000 | 1,168,698,000 |
| Total loans | 729,483,000 | 728,351,000 | 731,445,000 | 737,474,000 |
| Allowance for loan losses | 12,987,000 | 13,019,000 | 13,018,000 | 12,373,000 |
| Securities available for sale | 275,027,000 | 265,983,000 | 300,253,000 | 328,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 9,611,000 | 7,223,000 | 6,150,000 | 5,837,000 |
| Total deposits | 820,957,000 | 826,248,000 | 863,306,000 | 878,851,000 |
| Interest-bearing deposits | 724,198,000 | 724,296,000 | 756,895,000 | 772,962,000 |
| Noninterest-bearing deposits | 96,759,000 | 101,952,000 | 106,411,000 | 105,889,000 |
| Equity capital | 89,986,000 | 93,969,000 | 95,707,000 | 93,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 14,120,000 | 28,410,000 | 42,740,000 | 57,295,000 |
| Interest expense | 4,396,000 | 8,686,000 | 12,969,000 | 17,181,000 |
| Net interest income | 9,724,000 | 19,724,000 | 29,771,000 | 40,114,000 |
| Noninterest income | 2,467,000 | 4,583,000 | 7,043,000 | 9,805,000 |
| Noninterest expense | 7,825,000 | 15,753,000 | 24,020,000 | 32,095,000 |
| Provision for loan losses | 1,207,000 | 2,263,000 | 3,231,000 | 4,857,000 |
| Pretax income | 3,215,000 | 6,347,000 | 9,911,000 | 13,315,000 |
| Income tax | 592,000 | 1,169,000 | 1,844,000 | 2,509,000 |
| Net income | 2,623,000 | 5,178,000 | 8,067,000 | 10,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,213,000 | 86,370,000 | 87,852,000 | 88,900,000 |
| Total capital | 94,735,000 | 95,872,000 | 97,390,000 | 98,565,000 |
| Risk-weighted assets | 758,282,000 | 756,384,000 | 761,403,000 | 770,527,000 |