Call reports 2016
INDEPENDENCE STATE BANK — 2016
What INDEPENDENCE STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 67,140,000 | 64,875,000 | 63,815,000 | 64,636,000 |
| Total loans | 50,680,000 | 49,139,000 | 47,652,000 | 48,387,000 |
| Allowance for loan losses | 689,000 | 700,000 | 712,000 | 720,000 |
| Securities available for sale | 8,504,000 | 7,355,000 | 7,838,000 | 7,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,612,000 | 55,317,000 | 53,975,000 | 55,168,000 |
| Interest-bearing deposits | 47,047,000 | 45,319,000 | 44,629,000 | 44,970,000 |
| Noninterest-bearing deposits | 10,565,000 | 9,998,000 | 9,346,000 | 10,198,000 |
| Equity capital | 5,783,000 | 5,853,000 | 5,826,000 | 5,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 705,000 | 1,344,000 | 1,982,000 | 2,599,000 |
| Interest expense | 62,000 | 123,000 | 215,000 | 284,000 |
| Net interest income | 643,000 | 1,221,000 | 1,767,000 | 2,315,000 |
| Noninterest income | 29,000 | 76,000 | 115,000 | 165,000 |
| Noninterest expense | 560,000 | 1,118,000 | 1,655,000 | 2,209,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 44,000 |
| Pretax income | 139,000 | 224,000 | 260,000 | 296,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 139,000 | 224,000 | 260,000 | 296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,566,000 | 5,614,000 | 5,760,000 | 5,762,000 |
| Total capital | 6,181,000 | 6,225,000 | 6,371,000 | 6,374,000 |
| Risk-weighted assets | 48,700,000 | 48,367,000 | 48,407,000 | 48,451,000 |