Call reports 2022
ISABELLA BANK — 2022
What ISABELLA BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 2,011,677,000 | 1,999,214,000 | 2,015,012,000 | 1,981,367,000 |
| Total loans | 1,219,339,000 | 1,272,816,000 | 1,237,084,000 | 1,264,552,000 |
| Allowance for loan losses | 9,204,000 | 9,700,000 | 9,677,000 | 9,850,000 |
| Securities available for sale | 544,919,000 | 557,590,000 | 581,233,000 | 580,481,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,774,708,000 | 1,770,012,000 | 1,800,342,000 | 1,753,341,000 |
| Interest-bearing deposits | 1,312,356,000 | 1,281,054,000 | 1,289,307,000 | 1,257,975,000 |
| Noninterest-bearing deposits | 462,352,000 | 488,958,000 | 511,035,000 | 495,366,000 |
| Equity capital | 164,209,000 | 160,662,000 | 147,949,000 | 157,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 14,801,000 | 30,937,000 | 47,995,000 | 65,937,000 |
| Interest expense | 1,007,000 | 1,903,000 | 2,841,000 | 4,211,000 |
| Net interest income | 13,794,000 | 29,034,000 | 45,154,000 | 61,726,000 |
| Noninterest income | 3,730,000 | 7,510,000 | 10,942,000 | 14,407,000 |
| Noninterest expense | 11,037,000 | 22,354,000 | 33,973,000 | 45,594,000 |
| Provision for loan losses | 37,000 | 522,000 | 540,000 | 483,000 |
| Pretax income | 6,450,000 | 13,668,000 | 21,583,000 | 30,056,000 |
| Income tax | 1,098,000 | 2,356,000 | 3,756,000 | 5,276,000 |
| Net income | 5,352,000 | 11,312,000 | 17,827,000 | 24,780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 175,812,000 | 180,779,000 | 186,101,000 | 190,060,000 |
| Total capital | 185,016,000 | 190,479,000 | 195,778,000 | 199,910,000 |
| Risk-weighted assets | 1,271,058,000 | 1,339,212,000 | 1,319,887,000 | 1,350,933,000 |