Call reports 2019
ISABELLA BANK — 2019
What ISABELLA BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,752,474,000 | 1,770,761,000 | 1,759,874,000 | 1,763,432,000 |
| Total loans | 1,144,977,000 | 1,177,993,000 | 1,193,715,000 | 1,187,474,000 |
| Allowance for loan losses | 8,398,000 | 8,037,000 | 8,169,000 | 7,939,000 |
| Securities available for sale | 494,841,000 | 470,449,000 | 445,529,000 | 429,839,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,281,071,000 | 1,283,750,000 | 1,311,545,000 | 1,315,557,000 |
| Interest-bearing deposits | 1,049,599,000 | 1,038,031,000 | 1,067,449,000 | 1,065,459,000 |
| Noninterest-bearing deposits | 231,472,000 | 245,719,000 | 244,096,000 | 250,098,000 |
| Equity capital | 145,432,000 | 151,536,000 | 155,193,000 | 156,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 16,508,000 | 33,349,000 | 50,542,000 | 67,419,000 |
| Interest expense | 4,286,000 | 8,810,000 | 13,356,000 | 17,844,000 |
| Net interest income | 12,222,000 | 24,539,000 | 37,186,000 | 49,575,000 |
| Noninterest income | 2,711,000 | 5,713,000 | 9,008,000 | 11,993,000 |
| Noninterest expense | 10,506,000 | 20,951,000 | 31,333,000 | 41,939,000 |
| Provision for loan losses | 34,000 | -145,000 | 48,000 | 30,000 |
| Pretax income | 4,393,000 | 9,446,000 | 14,819,000 | 19,605,000 |
| Income tax | 464,000 | 1,071,000 | 1,764,000 | 2,370,000 |
| Net income | 3,929,000 | 8,375,000 | 13,055,000 | 17,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 143,526,000 | 145,894,000 | 148,193,000 | 150,093,000 |
| Total capital | 151,924,000 | 153,931,000 | 156,362,000 | 158,032,000 |
| Risk-weighted assets | 1,249,294,000 | 1,268,132,000 | 1,276,540,000 | 1,265,535,000 |