Call reports 2019
ION BANK — 2019
What ION BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,328,900,000 | 1,331,534,000 | 1,335,715,000 | 1,362,062,000 |
| Total loans | 1,086,494,000 | 1,092,992,000 | 1,111,387,000 | 1,153,402,000 |
| Allowance for loan losses | 11,479,000 | 11,481,000 | 11,648,000 | 12,290,000 |
| Securities available for sale | 70,840,000 | 71,610,000 | 69,477,000 | 70,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,001,000 | 2,953,000 | 4,081,000 | 3,257,000 |
| Total deposits | 1,097,653,000 | 1,096,206,000 | 1,094,125,000 | 1,111,562,000 |
| Interest-bearing deposits | 815,988,000 | 803,198,000 | 797,857,000 | 812,929,000 |
| Noninterest-bearing deposits | 281,665,000 | 293,008,000 | 296,268,000 | 298,633,000 |
| Equity capital | 122,285,000 | 123,876,000 | 125,294,000 | 124,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 13,586,000 | 27,283,000 | 41,044,000 | 54,770,000 |
| Interest expense | 2,772,000 | 5,402,000 | 8,072,000 | 10,472,000 |
| Net interest income | 10,814,000 | 21,881,000 | 32,972,000 | 44,298,000 |
| Noninterest income | 1,813,000 | 4,066,000 | 6,453,000 | 8,943,000 |
| Noninterest expense | 9,857,000 | 19,716,000 | 29,799,000 | 41,858,000 |
| Provision for loan losses | 200,000 | 500,000 | 800,000 | 2,115,000 |
| Pretax income | 3,733,000 | 7,388,000 | 10,832,000 | 11,804,000 |
| Income tax | 768,000 | 1,526,000 | 2,231,000 | 2,293,000 |
| Net income | 2,965,000 | 5,862,000 | 8,601,000 | 9,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 137,665,000 | 140,561,000 | 143,301,000 | 142,211,000 |
| Total capital | 149,144,000 | 152,042,000 | 154,949,000 | 154,501,000 |
| Risk-weighted assets | 1,055,944,000 | 1,069,316,000 | 1,080,070,000 | 1,129,633,000 |