Call reports 2015
FIRST INDEPENDENT BANK — 2015
What FIRST INDEPENDENT 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 | 274,002,000 | 283,619,000 | 284,523,000 | 292,597,000 |
| Total loans | 199,851,000 | 210,205,000 | 210,860,000 | 215,274,000 |
| Allowance for loan losses | 3,176,000 | 3,370,000 | 3,546,000 | 3,513,000 |
| Securities available for sale | 52,082,000 | 49,855,000 | 48,594,000 | 47,465,000 |
| Securities held to maturity | 6,947,000 | 7,969,000 | 8,628,000 | 9,221,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,917,000 | 227,162,000 | 223,962,000 | 232,067,000 |
| Interest-bearing deposits | 190,856,000 | 188,272,000 | 183,638,000 | 179,203,000 |
| Noninterest-bearing deposits | 42,061,000 | 38,890,000 | 40,324,000 | 52,864,000 |
| Equity capital | 25,785,000 | 26,141,000 | 27,333,000 | 27,916,000 |
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 | 2,953,000 | 5,999,000 | 9,099,000 | 12,196,000 |
| Interest expense | 357,000 | 697,000 | 1,025,000 | 1,341,000 |
| Net interest income | 2,596,000 | 5,302,000 | 8,074,000 | 10,855,000 |
| Noninterest income | 193,000 | 410,000 | 676,000 | 924,000 |
| Noninterest expense | 1,551,000 | 3,038,000 | 4,666,000 | 6,522,000 |
| Provision for loan losses | 150,000 | 350,000 | 500,000 | 650,000 |
| Pretax income | 1,096,000 | 2,348,000 | 3,659,000 | 4,695,000 |
| Income tax | 342,000 | 737,000 | 1,164,000 | 1,543,000 |
| Net income | 754,000 | 1,611,000 | 2,495,000 | 3,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,416,000 | 25,247,000 | 26,178,000 | 26,845,000 |
| Total capital | 27,060,000 | 28,037,000 | 29,097,000 | 29,811,000 |
| Risk-weighted assets | 210,991,000 | 222,619,000 | 232,919,000 | 236,761,000 |