Call reports 2019
INDEPENDENCE STATE BANK — 2019
What INDEPENDENCE STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 68,060,000 | 67,288,000 | 68,419,000 | 69,522,000 |
| Total loans | 49,400,000 | 48,498,000 | 48,162,000 | 49,462,000 |
| Allowance for loan losses | 700,000 | 701,000 | 701,000 | 701,000 |
| Securities available for sale | 5,811,000 | 6,624,000 | 7,746,000 | 7,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,325,000 | 55,361,000 | 56,503,000 | 57,341,000 |
| Interest-bearing deposits | 45,400,000 | 44,416,000 | 45,177,000 | 45,255,000 |
| Noninterest-bearing deposits | 10,925,000 | 10,945,000 | 11,326,000 | 12,086,000 |
| Equity capital | 6,168,000 | 6,302,000 | 6,396,000 | 6,443,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 706,000 | 1,473,000 | 2,216,000 | 2,953,000 |
| Interest expense | 132,000 | 275,000 | 426,000 | 577,000 |
| Net interest income | 574,000 | 1,198,000 | 1,790,000 | 2,376,000 |
| Noninterest income | 79,000 | 121,000 | 186,000 | 241,000 |
| Noninterest expense | 557,000 | 1,120,000 | 1,672,000 | 2,244,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 96,000 | 199,000 | 304,000 | 387,000 |
| Income tax | 16,000 | 43,000 | 70,000 | 95,000 |
| Net income | 80,000 | 156,000 | 234,000 | 292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,532,000 | 5,609,000 | 5,681,000 | 5,739,000 |
| Total capital | 6,191,000 | 6,255,000 | 6,337,000 | 6,406,000 |
| Risk-weighted assets | 52,258,000 | 51,298,000 | 52,018,000 | 52,879,000 |