Call reports 2012
ISABELLA BANK — 2012
What ISABELLA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,314,070,000 | 1,326,998,000 | 1,335,416,000 | 1,376,739,000 |
| Total loans | 749,689,000 | 760,462,000 | 773,031,000 | 779,548,000 |
| Allowance for loan losses | 12,375,000 | 12,318,000 | 12,062,000 | 11,936,000 |
| Securities available for sale | 467,525,000 | 473,001,000 | 463,413,000 | 500,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 4,403,000 | 1,998,000 | 1,788,000 | 1,573,000 |
| Total deposits | 990,702,000 | 980,983,000 | 991,740,000 | 1,019,501,000 |
| Interest-bearing deposits | 866,939,000 | 855,272,000 | 863,557,000 | 874,662,000 |
| Noninterest-bearing deposits | 123,763,000 | 125,711,000 | 128,183,000 | 144,839,000 |
| Equity capital | 106,491,000 | 109,062,000 | 113,297,000 | 113,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 14,193,000 | 28,373,000 | 42,533,000 | 56,369,000 |
| Interest expense | 3,702,000 | 7,123,000 | 10,358,000 | 13,404,000 |
| Net interest income | 10,491,000 | 21,250,000 | 32,175,000 | 42,965,000 |
| Noninterest income | 2,718,000 | 5,287,000 | 7,957,000 | 10,729,000 |
| Noninterest expense | 8,924,000 | 17,747,000 | 26,538,000 | 35,898,000 |
| Provision for loan losses | 461,000 | 900,000 | 1,100,000 | 2,300,000 |
| Pretax income | 4,545,000 | 8,611,000 | 13,331,000 | 16,333,000 |
| Income tax | 962,000 | 1,774,000 | 2,802,000 | 2,996,000 |
| Net income | 3,583,000 | 6,837,000 | 10,529,000 | 13,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,526,000 | 98,349,000 | 100,620,000 | 101,987,000 |
| Total capital | 106,556,000 | 108,542,000 | 110,899,000 | 112,497,000 |
| Risk-weighted assets | 800,070,000 | 813,536,000 | 820,515,000 | 839,371,000 |