Call reports 2015
ISABELLA BANK — 2015
What ISABELLA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,515,600,000 | 1,533,977,000 | 1,565,956,000 | 1,616,259,000 |
| Total loans | 816,735,000 | 829,632,000 | 834,179,000 | 851,678,000 |
| Allowance for loan losses | 9,600,000 | 9,000,000 | 8,200,000 | 7,400,000 |
| Securities available for sale | 601,897,000 | 595,056,000 | 628,352,000 | 659,879,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,099,436,000 | 1,094,537,000 | 1,130,761,000 | 1,168,948,000 |
| Interest-bearing deposits | 922,672,000 | 910,790,000 | 947,900,000 | 976,467,000 |
| Noninterest-bearing deposits | 176,764,000 | 183,747,000 | 182,861,000 | 192,481,000 |
| Equity capital | 129,552,000 | 128,025,000 | 134,125,000 | 133,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 13,397,000 | 27,177,000 | 41,039,000 | 51,519,000 |
| Interest expense | 2,484,000 | 4,995,000 | 7,566,000 | 10,132,000 |
| Net interest income | 10,913,000 | 22,182,000 | 33,473,000 | 41,387,000 |
| Noninterest income | 2,330,000 | 5,041,000 | 7,947,000 | 10,587,000 |
| Noninterest expense | 8,808,000 | 17,671,000 | 27,167,000 | 33,578,000 |
| Provision for loan losses | -725,000 | -1,261,000 | -1,999,000 | -2,771,000 |
| Pretax income | 5,160,000 | 10,813,000 | 16,252,000 | 21,330,000 |
| Income tax | 1,016,000 | 2,189,000 | 3,312,000 | 4,267,000 |
| Net income | 4,144,000 | 8,624,000 | 12,940,000 | 17,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 121,091,000 | 123,886,000 | 123,775,000 | 124,917,000 |
| Total capital | 130,691,000 | 132,886,000 | 131,975,000 | 132,317,000 |
| Risk-weighted assets | 946,697,000 | 954,167,000 | 969,314,000 | 999,618,000 |