Call reports 2012
ION BANK — 2012
What ION BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 950,208,000 | 953,691,000 | 948,161,000 | 941,975,000 |
| Total loans | 755,844,000 | 760,941,000 | 760,544,000 | 761,127,000 |
| Allowance for loan losses | 9,414,000 | 9,845,000 | 10,086,000 | 10,513,000 |
| Securities available for sale | 90,030,000 | 103,344,000 | 104,538,000 | 99,035,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 738,000 | 796,000 | 518,000 | 722,000 |
| Total deposits | 772,092,000 | 780,290,000 | 763,594,000 | 759,285,000 |
| Interest-bearing deposits | 642,760,000 | 639,231,000 | 625,577,000 | 609,312,000 |
| Noninterest-bearing deposits | 129,332,000 | 141,059,000 | 138,017,000 | 149,973,000 |
| Equity capital | 83,428,000 | 84,313,000 | 85,779,000 | 83,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 9,916,000 | 19,848,000 | 29,630,000 | 39,566,000 |
| Interest expense | 1,734,000 | 3,346,000 | 4,728,000 | 5,980,000 |
| Net interest income | 8,182,000 | 16,502,000 | 24,902,000 | 33,586,000 |
| Noninterest income | 1,802,000 | 3,939,000 | 6,236,000 | 8,646,000 |
| Noninterest expense | 7,963,000 | 16,329,000 | 25,010,000 | 35,270,000 |
| Provision for loan losses | 550,000 | 1,050,000 | 1,750,000 | 2,700,000 |
| Pretax income | 1,476,000 | 3,098,000 | 4,363,000 | 4,250,000 |
| Income tax | 477,000 | 991,000 | 1,381,000 | 1,250,000 |
| Net income | 999,000 | 2,107,000 | 2,982,000 | 3,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,177,000 | 96,287,000 | 97,164,000 | 97,190,000 |
| Total capital | 104,666,000 | 105,846,000 | 107,126,000 | 107,018,000 |
| Risk-weighted assets | 687,893,000 | 701,199,000 | 704,727,000 | 702,836,000 |