Call reports 2014
INDUSTRIAL STATE BANK — 2014
What INDUSTRIAL STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 144,491,000 | 142,050,000 | 141,487,000 | 141,835,000 |
| Total loans | 85,628,000 | 82,070,000 | 81,241,000 | 79,127,000 |
| Allowance for loan losses | 1,460,000 | 1,509,000 | 1,587,000 | 954,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 45,104,000 | 46,129,000 | 48,036,000 | 47,825,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,085,000 | 101,463,000 | 100,404,000 | 100,652,000 |
| Interest-bearing deposits | 79,216,000 | 75,825,000 | 74,516,000 | 73,822,000 |
| Noninterest-bearing deposits | 24,869,000 | 25,638,000 | 25,888,000 | 26,830,000 |
| Equity capital | 35,165,000 | 35,287,000 | 35,724,000 | 35,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,579,000 | 3,145,000 | 4,709,000 | 6,217,000 |
| Interest expense | 141,000 | 280,000 | 417,000 | 548,000 |
| Net interest income | 1,438,000 | 2,865,000 | 4,292,000 | 5,669,000 |
| Noninterest income | 220,000 | 449,000 | 713,000 | 920,000 |
| Noninterest expense | 998,000 | 1,991,000 | 2,992,000 | 4,024,000 |
| Provision for loan losses | 75,000 | 125,000 | 200,000 | 200,000 |
| Pretax income | 585,000 | 1,198,000 | 1,813,000 | 2,399,000 |
| Income tax | 139,000 | 297,000 | 475,000 | 686,000 |
| Net income | 446,000 | 901,000 | 1,338,000 | 1,713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,165,000 | 35,287,000 | 35,724,000 | 35,767,000 |
| Total capital | 36,506,000 | 36,610,000 | 37,027,000 | 36,721,000 |
| Risk-weighted assets | 107,188,000 | 105,644,000 | 103,965,000 | 101,964,000 |
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