Call reports 2018
ISABELLA BANK — 2018
What ISABELLA BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,748,728,000 | 1,784,959,000 | 1,781,114,000 | 1,784,227,000 |
| Total loans | 1,093,361,000 | 1,153,178,000 | 1,142,741,000 | 1,129,065,000 |
| Allowance for loan losses | 8,200,000 | 8,200,000 | 8,100,000 | 8,375,000 |
| Securities available for sale | 547,761,000 | 524,108,000 | 501,139,000 | 494,833,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,299,690,000 | 1,278,191,000 | 1,279,518,000 | 1,295,637,000 |
| Interest-bearing deposits | 1,074,071,000 | 1,040,885,000 | 1,048,039,000 | 1,056,661,000 |
| Noninterest-bearing deposits | 225,619,000 | 237,306,000 | 231,479,000 | 238,976,000 |
| Equity capital | 141,224,000 | 139,882,000 | 137,308,000 | 143,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 15,144,000 | 30,878,000 | 47,322,000 | 63,968,000 |
| Interest expense | 3,396,000 | 7,132,000 | 11,353,000 | 15,601,000 |
| Net interest income | 11,748,000 | 23,746,000 | 35,969,000 | 48,367,000 |
| Noninterest income | 2,497,000 | 5,104,000 | 7,846,000 | 10,689,000 |
| Noninterest expense | 9,235,000 | 18,950,000 | 29,157,000 | 39,068,000 |
| Provision for loan losses | 384,000 | 712,000 | 636,000 | 978,000 |
| Pretax income | 4,624,000 | 9,148,000 | 13,982,000 | 18,970,000 |
| Income tax | 453,000 | 908,000 | 1,431,000 | 2,110,000 |
| Net income | 4,171,000 | 8,240,000 | 12,551,000 | 16,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 141,661,000 | 141,858,000 | 141,295,000 | 143,429,000 |
| Total capital | 149,861,000 | 150,058,000 | 149,395,000 | 151,804,000 |
| Risk-weighted assets | 1,217,308,000 | 1,259,809,000 | 1,240,602,000 | 1,220,802,000 |