Call reports 2020
ISABELLA BANK — 2020
What ISABELLA BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,765,482,000 | 1,863,032,000 | 1,921,943,000 | 1,908,060,000 |
| Total loans | 1,177,164,000 | 1,289,836,000 | 1,307,971,000 | 1,241,050,000 |
| Allowance for loan losses | 8,697,000 | 8,877,000 | 9,506,000 | 9,744,000 |
| Securities available for sale | 407,190,000 | 380,415,000 | 363,054,000 | 339,227,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,322,587,000 | 1,441,179,000 | 1,496,046,000 | 1,569,399,000 |
| Interest-bearing deposits | 1,072,659,000 | 1,100,358,000 | 1,142,016,000 | 1,190,924,000 |
| Noninterest-bearing deposits | 249,928,000 | 340,821,000 | 354,030,000 | 378,475,000 |
| Equity capital | 163,376,000 | 167,732,000 | 169,749,000 | 165,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 16,233,000 | 32,119,000 | 47,843,000 | 64,269,000 |
| Interest expense | 4,197,000 | 7,752,000 | 10,947,000 | 13,793,000 |
| Net interest income | 12,036,000 | 24,367,000 | 36,896,000 | 50,476,000 |
| Noninterest income | 3,149,000 | 6,486,000 | 10,585,000 | 14,650,000 |
| Noninterest expense | 10,663,000 | 21,022,000 | 31,726,000 | 50,080,000 |
| Provision for loan losses | 788,000 | 893,000 | 1,409,000 | 1,665,000 |
| Pretax income | 3,805,000 | 9,009,000 | 14,417,000 | 13,452,000 |
| Income tax | 316,000 | 970,000 | 1,771,000 | 1,202,000 |
| Net income | 3,489,000 | 8,039,000 | 12,646,000 | 12,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 151,847,000 | 154,563,000 | 156,585,000 | 153,102,000 |
| Total capital | 160,544,000 | 163,440,000 | 166,091,000 | 162,846,000 |
| Risk-weighted assets | 1,254,011,000 | 1,258,903,000 | 1,279,496,000 | 1,246,759,000 |