Call reports 2015
INFIRST BANK — 2015
What INFIRST 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 | 316,904,000 | 323,823,000 | 329,827,000 | 336,786,000 |
| Total loans | 278,655,000 | 283,763,000 | 292,848,000 | 298,310,000 |
| Allowance for loan losses | 2,884,000 | 3,007,000 | 2,935,000 | 3,037,000 |
| Securities available for sale | 18,591,000 | 17,587,000 | 16,425,000 | 15,275,000 |
| Securities held to maturity | 226,000 | 218,000 | 207,000 | 196,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,710,000 | 260,360,000 | 258,265,000 | 262,335,000 |
| Interest-bearing deposits | 217,605,000 | 228,029,000 | 225,170,000 | 229,925,000 |
| Noninterest-bearing deposits | 31,105,000 | 32,331,000 | 33,095,000 | 32,410,000 |
| Equity capital | 32,543,000 | 32,881,000 | 33,412,000 | 33,774,000 |
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 | 3,328,000 | 6,689,000 | 10,127,000 | 13,601,000 |
| Interest expense | 549,000 | 1,095,000 | 1,658,000 | 2,242,000 |
| Net interest income | 2,779,000 | 5,594,000 | 8,469,000 | 11,359,000 |
| Noninterest income | 369,000 | 722,000 | 1,047,000 | 1,421,000 |
| Noninterest expense | 2,289,000 | 4,644,000 | 6,953,000 | 9,361,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 739,000 | 1,432,000 | 2,203,000 | 2,939,000 |
| Income tax | 270,000 | 514,000 | 793,000 | 1,061,000 |
| Net income | 469,000 | 918,000 | 1,410,000 | 1,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,214,000 | 32,662,000 | 33,154,000 | 33,621,000 |
| Total capital | 34,940,000 | 35,447,000 | 36,021,000 | 36,543,000 |
| Risk-weighted assets | 217,968,000 | 222,563,000 | 229,294,000 | 233,639,000 |