Call reports 2012
INDUSTRIAL STATE BANK — 2012
What INDUSTRIAL STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 151,387,000 | 150,802,000 | 148,123,000 | 146,876,000 |
| Total loans | 97,591,000 | 95,915,000 | 92,259,000 | 86,347,000 |
| Allowance for loan losses | 1,423,000 | 1,433,000 | 1,436,000 | 1,391,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 30,932,000 | 30,290,000 | 31,927,000 | 33,831,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,138,000 | 112,136,000 | 108,906,000 | 108,091,000 |
| Interest-bearing deposits | 89,192,000 | 88,017,000 | 84,373,000 | 84,419,000 |
| Noninterest-bearing deposits | 23,946,000 | 24,119,000 | 24,533,000 | 23,672,000 |
| Equity capital | 32,816,000 | 33,283,000 | 33,746,000 | 33,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,656,000 | 3,314,000 | 4,975,000 | 6,516,000 |
| Interest expense | 251,000 | 485,000 | 697,000 | 884,000 |
| Net interest income | 1,405,000 | 2,829,000 | 4,278,000 | 5,632,000 |
| Noninterest income | 240,000 | 452,000 | 630,000 | 850,000 |
| Noninterest expense | 982,000 | 1,931,000 | 2,905,000 | 3,823,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 0 |
| Pretax income | 616,000 | 1,303,000 | 1,975,000 | 2,585,000 |
| Income tax | 181,000 | 401,000 | 610,000 | 781,000 |
| Net income | 435,000 | 902,000 | 1,365,000 | 1,804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,816,000 | 33,283,000 | 33,746,000 | 33,420,000 |
| Total capital | 34,239,000 | 34,716,000 | 35,182,000 | 34,779,000 |
| Risk-weighted assets | 118,930,000 | 116,993,000 | 115,069,000 | 108,712,000 |