Call reports 2013
ION BANK — 2013
What ION BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 975,789,000 | 971,870,000 | 975,575,000 | 963,204,000 |
| Total loans | 761,719,000 | 779,477,000 | 793,658,000 | 794,562,000 |
| Allowance for loan losses | 10,487,000 | 10,550,000 | 10,913,000 | 11,189,000 |
| Securities available for sale | 105,913,000 | 88,709,000 | 88,806,000 | 83,701,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 741,000 | 751,000 | 629,000 | 708,000 |
| Total deposits | 789,233,000 | 788,660,000 | 785,127,000 | 753,598,000 |
| Interest-bearing deposits | 642,457,000 | 634,726,000 | 634,083,000 | 598,132,000 |
| Noninterest-bearing deposits | 146,776,000 | 153,934,000 | 151,044,000 | 155,466,000 |
| Equity capital | 84,645,000 | 84,682,000 | 84,846,000 | 99,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 9,186,000 | 18,328,000 | 27,250,000 | 36,100,000 |
| Interest expense | 1,148,000 | 2,268,000 | 3,308,000 | 4,285,000 |
| Net interest income | 8,038,000 | 16,060,000 | 23,942,000 | 31,815,000 |
| Noninterest income | 2,104,000 | 4,323,000 | 5,934,000 | 7,558,000 |
| Noninterest expense | 8,510,000 | 17,108,000 | 26,141,000 | 36,011,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,125,000 | 1,500,000 |
| Pretax income | 1,490,000 | 2,916,000 | 3,282,000 | 2,676,000 |
| Income tax | 466,000 | 913,000 | 1,027,000 | 760,000 |
| Net income | 1,024,000 | 2,003,000 | 2,255,000 | 1,916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,214,000 | 99,193,000 | 99,453,000 | 99,113,000 |
| Total capital | 108,627,000 | 109,406,000 | 109,885,000 | 109,708,000 |
| Risk-weighted assets | 710,840,000 | 717,512,000 | 731,829,000 | 721,091,000 |