Call reports 2013
INDUSTRIAL STATE BANK — 2013
What INDUSTRIAL STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 152,479,000 | 145,133,000 | 143,801,000 | 142,678,000 |
| Total loans | 82,229,000 | 85,627,000 | 88,240,000 | 87,964,000 |
| Allowance for loan losses | 1,391,000 | 1,372,000 | 1,375,000 | 1,378,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 39,076,000 | 40,295,000 | 43,221,000 | 43,946,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,196,000 | 105,473,000 | 103,920,000 | 102,591,000 |
| Interest-bearing deposits | 89,146,000 | 81,172,000 | 79,607,000 | 78,094,000 |
| Noninterest-bearing deposits | 24,050,000 | 24,301,000 | 24,313,000 | 24,497,000 |
| Equity capital | 33,826,000 | 33,985,000 | 34,431,000 | 34,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,540,000 | 3,070,000 | 4,623,000 | 6,236,000 |
| Interest expense | 165,000 | 321,000 | 475,000 | 624,000 |
| Net interest income | 1,375,000 | 2,749,000 | 4,148,000 | 5,612,000 |
| Noninterest income | 180,000 | 447,000 | 636,000 | 1,204,000 |
| Noninterest expense | 1,014,000 | 1,999,000 | 2,952,000 | 4,065,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 547,000 | 1,203,000 | 1,838,000 | 2,728,000 |
| Income tax | 141,000 | 339,000 | 528,000 | 806,000 |
| Net income | 406,000 | 864,000 | 1,310,000 | 1,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,826,000 | 33,985,000 | 34,431,000 | 34,719,000 |
| Total capital | 35,195,000 | 35,343,000 | 35,803,000 | 36,081,000 |
| Risk-weighted assets | 109,468,000 | 108,646,000 | 109,768,000 | 108,928,000 |