Call reports 2015
INDEPENDENCE STATE BANK — 2015
What INDEPENDENCE STATE 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 | 68,356,000 | 66,190,000 | 67,958,000 | 66,845,000 |
| Total loans | 45,584,000 | 47,795,000 | 48,795,000 | 50,230,000 |
| Allowance for loan losses | 492,000 | 521,000 | 674,000 | 686,000 |
| Securities available for sale | 12,382,000 | 10,884,000 | 9,657,000 | 9,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,549,000 | 55,305,000 | 58,543,000 | 57,556,000 |
| Interest-bearing deposits | 46,541,000 | 46,343,000 | 48,624,000 | 47,640,000 |
| Noninterest-bearing deposits | 9,008,000 | 8,962,000 | 9,919,000 | 9,916,000 |
| Equity capital | 5,464,000 | 5,502,000 | 5,622,000 | 5,599,000 |
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 | 651,000 | 1,343,000 | 2,048,000 | 2,738,000 |
| Interest expense | 58,000 | 117,000 | 182,000 | 244,000 |
| Net interest income | 593,000 | 1,226,000 | 1,866,000 | 2,494,000 |
| Noninterest income | 29,000 | 98,000 | 299,000 | 330,000 |
| Noninterest expense | 554,000 | 1,156,000 | 1,740,000 | 2,325,000 |
| Provision for loan losses | 32,000 | 44,000 | 196,000 | 208,000 |
| Pretax income | 36,000 | 135,000 | 240,000 | 302,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 36,000 | 135,000 | 240,000 | 302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,792,000 | 4,872,000 | 5,343,000 | 5,356,000 |
| Total capital | 5,286,000 | 5,395,000 | 5,939,000 | 5,956,000 |
| Risk-weighted assets | 48,122,000 | 46,591,000 | 47,586,000 | 47,533,000 |