Call reports 2015
INTERNATIONAL FINANCE BANK — 2015
What INTERNATIONAL FINANCE 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 | 323,772,000 | 311,887,000 | 310,250,000 | 318,213,000 |
| Total loans | 222,687,000 | 206,327,000 | 228,361,000 | 241,525,000 |
| Allowance for loan losses | 7,185,000 | 7,104,000 | 7,109,000 | 7,060,000 |
| Securities available for sale | 46,720,000 | 43,754,000 | 31,016,000 | 25,723,000 |
| Securities held to maturity | 5,795,000 | 5,615,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,317,000 | 267,061,000 | 266,108,000 | 274,503,000 |
| Interest-bearing deposits | 157,491,000 | 151,450,000 | 157,556,000 | 162,704,000 |
| Noninterest-bearing deposits | 120,826,000 | 115,611,000 | 108,552,000 | 111,799,000 |
| Equity capital | 42,688,000 | 42,506,000 | 42,122,000 | 41,816,000 |
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 | 3,154,000 | 6,165,000 | 9,187,000 | 12,210,000 |
| Interest expense | 235,000 | 462,000 | 678,000 | 897,000 |
| Net interest income | 2,919,000 | 5,703,000 | 8,509,000 | 11,313,000 |
| Noninterest income | 490,000 | 850,000 | 1,070,000 | 2,402,000 |
| Noninterest expense | 3,192,000 | 6,512,000 | 10,359,000 | 14,788,000 |
| Provision for loan losses | 95,000 | 145,000 | 145,000 | 145,000 |
| Pretax income | 122,000 | -104,000 | -694,000 | -953,000 |
| Income tax | 46,000 | -39,000 | -261,000 | -331,000 |
| Net income | 76,000 | -65,000 | -433,000 | -622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,951,000 | 32,700,000 | 32,101,000 | 31,664,000 |
| Total capital | 35,433,000 | 35,010,000 | 34,521,000 | 34,206,000 |
| Risk-weighted assets | 188,082,000 | 174,136,000 | 182,925,000 | 192,663,000 |