Call reports 2022
INDEPENDENCE STATE BANK — 2022
What INDEPENDENCE STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 82,074,000 | 81,312,000 | 80,549,000 | 81,378,000 |
| Total loans | 53,517,000 | 52,678,000 | 53,042,000 | 51,409,000 |
| Allowance for loan losses | 718,000 | 719,000 | 719,000 | 719,000 |
| Securities available for sale | 16,478,000 | 15,450,000 | 15,139,000 | 15,093,000 |
| Securities held to maturity | 561,000 | 459,000 | 459,000 | 459,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,155,000 | 71,662,000 | 71,430,000 | 72,004,000 |
| Interest-bearing deposits | 52,178,000 | 51,349,000 | 50,870,000 | 52,881,000 |
| Noninterest-bearing deposits | 19,977,000 | 20,313,000 | 20,560,000 | 19,123,000 |
| Equity capital | 6,646,000 | 6,443,000 | 6,276,000 | 6,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 634,000 | 1,285,000 | 2,001,000 | 2,822,000 |
| Interest expense | 42,000 | 79,000 | 133,000 | 202,000 |
| Net interest income | 592,000 | 1,206,000 | 1,868,000 | 2,620,000 |
| Noninterest income | 23,000 | 60,000 | 87,000 | 127,000 |
| Noninterest expense | 564,000 | 1,114,000 | 1,661,000 | 2,267,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 51,000 | 148,000 | 291,000 | 477,000 |
| Income tax | 9,000 | 31,000 | 65,000 | 112,000 |
| Net income | 42,000 | 117,000 | 226,000 | 365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,740,000 | 6,816,000 | 6,925,000 | 7,069,000 |
| Total capital | 7,458,000 | 7,535,000 | 7,644,000 | 7,788,000 |
| Risk-weighted assets | 59,455,000 | 58,923,000 | 59,584,000 | 58,781,000 |