Call reports 2016
ISABELLA BANK — 2016
What ISABELLA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,631,925,000 | 1,630,542,000 | 1,654,769,000 | 1,677,874,000 |
| Total loans | 871,530,000 | 920,877,000 | 990,050,000 | 1,012,435,000 |
| Allowance for loan losses | 7,500,000 | 7,600,000 | 7,800,000 | 7,400,000 |
| Securities available for sale | 649,604,000 | 602,210,000 | 563,977,000 | 557,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,177,448,000 | 1,159,740,000 | 1,177,390,000 | 1,196,672,000 |
| Interest-bearing deposits | 992,969,000 | 966,561,000 | 974,365,000 | 989,968,000 |
| Noninterest-bearing deposits | 184,479,000 | 193,179,000 | 203,025,000 | 206,704,000 |
| Equity capital | 140,080,000 | 144,376,000 | 144,792,000 | 138,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 13,102,000 | 26,336,000 | 39,964,000 | 53,745,000 |
| Interest expense | 2,607,000 | 5,279,000 | 8,021,000 | 10,834,000 |
| Net interest income | 10,495,000 | 21,057,000 | 31,943,000 | 42,911,000 |
| Noninterest income | 2,467,000 | 4,968,000 | 8,011,000 | 11,360,000 |
| Noninterest expense | 8,607,000 | 17,339,000 | 26,322,000 | 35,085,000 |
| Provision for loan losses | 156,000 | 168,000 | 185,000 | -135,000 |
| Pretax income | 4,199,000 | 8,763,000 | 13,692,000 | 18,796,000 |
| Income tax | 683,000 | 1,502,000 | 2,465,000 | 3,401,000 |
| Net income | 3,516,000 | 7,261,000 | 11,227,000 | 15,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 126,748,000 | 128,522,000 | 130,511,000 | 132,900,000 |
| Total capital | 134,248,000 | 136,122,000 | 138,311,000 | 140,300,000 |
| Risk-weighted assets | 1,025,821,000 | 1,057,467,000 | 1,124,712,000 | 1,136,541,000 |