Call reports 2018
INDEPENDENCE STATE BANK — 2018
What INDEPENDENCE STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 66,453,000 | 65,087,000 | 66,604,000 | 70,150,000 |
| Total loans | 48,162,000 | 50,138,000 | 49,769,000 | 49,362,000 |
| Allowance for loan losses | 697,000 | 698,000 | 698,000 | 700,000 |
| Securities available for sale | 5,933,000 | 6,003,000 | 5,857,000 | 5,819,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,261,000 | 54,861,000 | 54,808,000 | 58,470,000 |
| Interest-bearing deposits | 45,408,000 | 43,851,000 | 44,847,000 | 45,390,000 |
| Noninterest-bearing deposits | 10,853,000 | 11,010,000 | 9,961,000 | 13,080,000 |
| Equity capital | 5,824,000 | 5,899,000 | 5,931,000 | 6,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 633,000 | 1,313,000 | 2,014,000 | 2,719,000 |
| Interest expense | 80,000 | 161,000 | 271,000 | 399,000 |
| Net interest income | 553,000 | 1,152,000 | 1,743,000 | 2,320,000 |
| Noninterest income | 27,000 | 64,000 | 102,000 | 167,000 |
| Noninterest expense | 573,000 | 1,125,000 | 1,666,000 | 2,197,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 7,000 | 91,000 | 179,000 | 290,000 |
| Income tax | 1,000 | 1,000 | 41,000 | 81,000 |
| Net income | 6,000 | 90,000 | 138,000 | 209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,433,000 | 5,519,000 | 5,565,000 | 5,452,000 |
| Total capital | 6,108,000 | 6,198,000 | 6,259,000 | 6,112,000 |
| Risk-weighted assets | 53,433,000 | 53,747,000 | 55,083,000 | 52,357,000 |