Call reports 2015
INDIANA BUSINESS BANK — 2015
What INDIANA BUSINESS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 66,191,000 | 66,412,000 | 62,411,000 | 68,266,000 |
| Total loans | 52,338,000 | 52,111,000 | 50,738,000 | 52,262,000 |
| Allowance for loan losses | 1,088,000 | 984,000 | 947,000 | 982,000 |
| Securities available for sale | 9,231,000 | 8,576,000 | 6,957,000 | 6,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,330,000 | 44,992,000 | 42,195,000 | 44,369,000 |
| Interest-bearing deposits | 38,057,000 | 36,277,000 | 34,247,000 | 36,039,000 |
| Noninterest-bearing deposits | 9,273,000 | 8,715,000 | 7,948,000 | 8,330,000 |
| Equity capital | 11,217,000 | 11,355,000 | 11,621,000 | 11,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 748,000 | 1,501,000 | 2,253,000 | 3,040,000 |
| Interest expense | 90,000 | 178,000 | 261,000 | 345,000 |
| Net interest income | 658,000 | 1,323,000 | 1,992,000 | 2,695,000 |
| Noninterest income | 170,000 | 281,000 | 402,000 | 469,000 |
| Noninterest expense | 664,000 | 1,287,000 | 1,889,000 | 2,507,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 164,000 | 317,000 | 505,000 | 627,000 |
| Income tax | -38,000 | -75,000 | -113,000 | -150,000 |
| Net income | 202,000 | 392,000 | 618,000 | 777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,141,000 | 10,272,000 | 10,475,000 | 10,613,000 |
| Total capital | 10,768,000 | 10,914,000 | 11,077,000 | 11,243,000 |
| Risk-weighted assets | 49,718,000 | 50,448,000 | 47,167,000 | 49,437,000 |