Call reports 2015
INTERAUDI BANK — 2015
What INTERAUDI 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 | 1,696,385,000 | 1,671,036,000 | 1,653,123,000 | 1,814,034,000 |
| Total loans | 646,265,000 | 686,382,000 | 719,707,000 | 730,797,000 |
| Allowance for loan losses | 4,240,000 | 4,390,000 | 4,587,000 | 4,610,000 |
| Securities available for sale | 337,606,000 | 327,411,000 | 299,996,000 | 299,128,000 |
| Securities held to maturity | 61,449,000 | 101,437,000 | 101,420,000 | 166,271,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,467,978,000 | 1,473,489,000 | 1,494,191,000 | 1,617,771,000 |
| Interest-bearing deposits | 742,656,000 | 721,512,000 | 704,672,000 | 716,728,000 |
| Noninterest-bearing deposits | 725,322,000 | 751,977,000 | 789,519,000 | 901,043,000 |
| Equity capital | 112,664,000 | 114,535,000 | 115,486,000 | 117,794,000 |
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 | 8,838,000 | 17,960,000 | 27,520,000 | 37,477,000 |
| Interest expense | 1,847,000 | 3,664,000 | 5,177,000 | 6,547,000 |
| Net interest income | 6,991,000 | 14,296,000 | 22,343,000 | 30,930,000 |
| Noninterest income | 1,949,000 | 3,983,000 | 5,877,000 | 7,751,000 |
| Noninterest expense | 5,536,000 | 11,139,000 | 16,633,000 | 22,500,000 |
| Provision for loan losses | 117,000 | 267,000 | 464,000 | 486,000 |
| Pretax income | 3,306,000 | 6,892,000 | 11,291,000 | 15,868,000 |
| Income tax | 1,374,000 | 2,829,000 | 4,606,000 | 6,599,000 |
| Net income | 1,932,000 | 4,063,000 | 6,685,000 | 9,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,328,000 | 113,480,000 | 116,123,000 | 118,745,000 |
| Total capital | 115,599,000 | 117,901,000 | 120,744,000 | 123,392,000 |
| Risk-weighted assets | 687,626,000 | 713,508,000 | 731,633,000 | 759,736,000 |