Call reports 2017
ISABELLA BANK — 2017
What ISABELLA BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,706,121,000 | 1,723,114,000 | 1,737,135,000 | 1,761,016,000 |
| Total loans | 1,014,688,000 | 1,049,980,000 | 1,078,781,000 | 1,093,078,000 |
| Allowance for loan losses | 7,500,000 | 7,600,000 | 7,700,000 | 7,700,000 |
| Securities available for sale | 590,114,000 | 567,861,000 | 552,926,000 | 552,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,231,907,000 | 1,211,681,000 | 1,217,387,000 | 1,265,840,000 |
| Interest-bearing deposits | 1,023,614,000 | 1,000,031,000 | 1,003,454,000 | 1,027,747,000 |
| Noninterest-bearing deposits | 208,293,000 | 211,650,000 | 213,933,000 | 238,093,000 |
| Equity capital | 141,301,000 | 144,597,000 | 145,607,000 | 145,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 13,878,000 | 28,397,000 | 43,403,000 | 58,508,000 |
| Interest expense | 2,819,000 | 5,842,000 | 9,031,000 | 12,453,000 |
| Net interest income | 11,059,000 | 22,555,000 | 34,372,000 | 46,055,000 |
| Noninterest income | 2,849,000 | 5,615,000 | 8,440,000 | 11,391,000 |
| Noninterest expense | 9,299,000 | 18,310,000 | 28,000,000 | 37,488,000 |
| Provision for loan losses | 27,000 | 36,000 | 85,000 | 253,000 |
| Pretax income | 4,582,000 | 9,966,000 | 14,869,000 | 19,847,000 |
| Income tax | 843,000 | 1,956,000 | 2,915,000 | 3,104,000 |
| Net income | 3,739,000 | 8,010,000 | 11,954,000 | 16,743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 134,887,000 | 136,581,000 | 137,650,000 | 139,897,000 |
| Total capital | 142,387,000 | 144,181,000 | 145,350,000 | 147,597,000 |
| Risk-weighted assets | 1,141,038,000 | 1,168,004,000 | 1,200,122,000 | 1,210,090,000 |