Call reports 2015
ION BANK — 2015
What ION 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 | 1,080,195,000 | 1,053,462,000 | 1,098,053,000 | 1,113,913,000 |
| Total loans | 869,103,000 | 876,008,000 | 896,756,000 | 917,847,000 |
| Allowance for loan losses | 12,431,000 | 12,367,000 | 11,524,000 | 12,303,000 |
| Securities available for sale | 99,666,000 | 89,512,000 | 91,366,000 | 86,780,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 162,000 | 247,000 | 206,000 | 245,000 |
| Total deposits | 872,779,000 | 845,863,000 | 842,845,000 | 856,287,000 |
| Interest-bearing deposits | 694,106,000 | 662,866,000 | 650,846,000 | 658,854,000 |
| Noninterest-bearing deposits | 178,673,000 | 182,997,000 | 191,999,000 | 197,433,000 |
| Equity capital | 91,825,000 | 92,869,000 | 92,555,000 | 93,050,000 |
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 | 9,407,000 | 18,786,000 | 28,252,000 | 38,000,000 |
| Interest expense | 1,112,000 | 2,224,000 | 3,302,000 | 4,595,000 |
| Net interest income | 8,295,000 | 16,562,000 | 24,950,000 | 33,405,000 |
| Noninterest income | 1,839,000 | 3,913,000 | 6,007,000 | 8,021,000 |
| Noninterest expense | 9,091,000 | 17,835,000 | 26,839,000 | 36,094,000 |
| Provision for loan losses | 300,000 | 300,000 | 600,000 | 1,425,000 |
| Pretax income | 743,000 | 3,323,000 | 4,501,000 | 4,984,000 |
| Income tax | 239,000 | 1,106,000 | 1,501,000 | 1,474,000 |
| Net income | 504,000 | 2,217,000 | 3,000,000 | 3,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,052,000 | 102,764,000 | 103,549,000 | 104,060,000 |
| Total capital | 112,902,000 | 113,967,000 | 115,010,000 | 115,605,000 |
| Risk-weighted assets | 831,493,000 | 824,250,000 | 863,852,000 | 864,949,000 |