Call reports 2013
ISABELLA BANK — 2013
What ISABELLA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,380,081,000 | 1,395,774,000 | 1,402,495,000 | 1,433,762,000 |
| Total loans | 772,610,000 | 807,154,000 | 810,922,000 | 810,950,000 |
| Allowance for loan losses | 11,909,000 | 11,700,000 | 11,600,000 | 11,500,000 |
| Securities available for sale | 516,930,000 | 495,829,000 | 497,530,000 | 508,520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,563,000 | 950,000 | 745,000 | 525,000 |
| Total deposits | 1,031,599,000 | 1,023,345,000 | 1,025,054,000 | 1,044,995,000 |
| Interest-bearing deposits | 892,719,000 | 881,761,000 | 881,096,000 | 885,518,000 |
| Noninterest-bearing deposits | 138,880,000 | 141,584,000 | 143,958,000 | 159,477,000 |
| Equity capital | 114,522,000 | 108,585,000 | 110,922,000 | 107,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 13,516,000 | 26,945,000 | 40,444,000 | 54,041,000 |
| Interest expense | 2,818,000 | 5,591,000 | 8,322,000 | 10,994,000 |
| Net interest income | 10,698,000 | 21,354,000 | 32,122,000 | 43,047,000 |
| Noninterest income | 2,544,000 | 5,438,000 | 8,313,000 | 10,714,000 |
| Noninterest expense | 8,890,000 | 17,817,000 | 26,705,000 | 35,788,000 |
| Provision for loan losses | 300,000 | 515,000 | 866,000 | 1,111,000 |
| Pretax income | 4,151,000 | 8,559,000 | 13,035,000 | 17,034,000 |
| Income tax | 747,000 | 1,580,000 | 2,431,000 | 3,000,000 |
| Net income | 3,404,000 | 6,979,000 | 10,604,000 | 14,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,949,000 | 106,073,000 | 108,225,000 | 109,216,000 |
| Total capital | 114,353,000 | 116,711,000 | 118,892,000 | 120,066,000 |
| Risk-weighted assets | 830,830,000 | 850,010,000 | 852,400,000 | 867,378,000 |