Call reports 2011
ISABELLA BANK — 2011
What ISABELLA BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,205,747,000 | 1,224,727,000 | 1,268,046,000 | 1,284,407,000 |
| Total loans | 739,889,000 | 750,817,000 | 756,897,000 | 757,253,000 |
| Allowance for loan losses | 12,381,000 | 12,378,000 | 12,373,000 | 12,376,000 |
| Securities available for sale | 360,032,000 | 375,861,000 | 411,618,000 | 421,553,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 5,433,000 | 4,910,000 | 4,886,000 | 4,710,000 |
| Total deposits | 924,829,000 | 926,623,000 | 944,986,000 | 960,935,000 |
| Interest-bearing deposits | 814,804,000 | 810,838,000 | 822,284,000 | 839,368,000 |
| Noninterest-bearing deposits | 110,025,000 | 115,785,000 | 122,702,000 | 121,567,000 |
| Equity capital | 95,692,000 | 99,663,000 | 103,998,000 | 104,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 14,250,000 | 28,935,000 | 43,463,000 | 57,920,000 |
| Interest expense | 4,049,000 | 8,145,000 | 12,209,000 | 16,181,000 |
| Net interest income | 10,201,000 | 20,790,000 | 31,254,000 | 41,739,000 |
| Noninterest income | 2,280,000 | 4,592,000 | 6,638,000 | 9,160,000 |
| Noninterest expense | 8,267,000 | 16,705,000 | 24,897,000 | 33,113,000 |
| Provision for loan losses | 817,000 | 1,420,000 | 2,383,000 | 3,826,000 |
| Pretax income | 3,397,000 | 7,257,000 | 10,612,000 | 13,963,000 |
| Income tax | 640,000 | 1,367,000 | 1,876,000 | 2,184,000 |
| Net income | 2,757,000 | 5,890,000 | 8,736,000 | 11,779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,236,000 | 91,948,000 | 93,404,000 | 94,508,000 |
| Total capital | 99,986,000 | 101,858,000 | 103,457,000 | 104,542,000 |
| Risk-weighted assets | 777,376,000 | 790,310,000 | 801,925,000 | 800,346,000 |