Call reports 2014
ISABELLA BANK — 2014
What ISABELLA BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,454,929,000 | 1,463,934,000 | 1,496,158,000 | 1,493,057,000 |
| Total loans | 810,960,000 | 819,058,000 | 825,132,000 | 834,691,000 |
| Allowance for loan losses | 11,100,000 | 10,700,000 | 10,400,000 | 10,100,000 |
| Securities available for sale | 551,631,000 | 546,994,000 | 571,802,000 | 564,240,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 521,000 | 0 | 0 | 0 |
| Total deposits | 1,067,288,000 | 1,063,128,000 | 1,084,493,000 | 1,075,803,000 |
| Interest-bearing deposits | 907,873,000 | 898,569,000 | 906,437,000 | 892,836,000 |
| Noninterest-bearing deposits | 159,415,000 | 164,559,000 | 178,056,000 | 182,967,000 |
| Equity capital | 114,084,000 | 119,499,000 | 120,783,000 | 124,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 13,350,000 | 26,728,000 | 40,204,000 | 53,908,000 |
| Interest expense | 2,494,000 | 4,954,000 | 7,445,000 | 9,936,000 |
| Net interest income | 10,856,000 | 21,774,000 | 32,759,000 | 43,972,000 |
| Noninterest income | 2,539,000 | 5,043,000 | 7,550,000 | 9,976,000 |
| Noninterest expense | 8,994,000 | 17,853,000 | 26,859,000 | 35,841,000 |
| Provision for loan losses | -242,000 | -442,000 | -604,000 | -668,000 |
| Pretax income | 4,643,000 | 9,406,000 | 14,151,000 | 18,872,000 |
| Income tax | 826,000 | 1,692,000 | 2,442,000 | 3,301,000 |
| Net income | 3,817,000 | 7,714,000 | 11,709,000 | 15,571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,572,000 | 114,019,000 | 116,314,000 | 117,974,000 |
| Total capital | 122,413,000 | 124,719,000 | 126,714,000 | 128,074,000 |
| Risk-weighted assets | 867,003,000 | 881,530,000 | 892,140,000 | 904,257,000 |