Call reports 2015
INDUSTRIAL STATE BANK — 2015
What INDUSTRIAL STATE 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 | 144,022,000 | 146,044,000 | 142,572,000 | 143,499,000 |
| Total loans | 83,731,000 | 90,614,000 | 91,879,000 | 88,510,000 |
| Allowance for loan losses | 956,000 | 960,000 | 1,010,000 | 1,111,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 46,506,000 | 46,122,000 | 43,842,000 | 41,992,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,582,000 | 101,516,000 | 100,396,000 | 106,315,000 |
| Interest-bearing deposits | 74,802,000 | 72,288,000 | 70,835,000 | 72,844,000 |
| Noninterest-bearing deposits | 27,780,000 | 29,228,000 | 29,561,000 | 33,471,000 |
| Equity capital | 36,192,000 | 36,261,000 | 36,795,000 | 36,808,000 |
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 | 1,502,000 | 3,080,000 | 4,663,000 | 6,207,000 |
| Interest expense | 124,000 | 237,000 | 320,000 | 401,000 |
| Net interest income | 1,378,000 | 2,843,000 | 4,343,000 | 5,806,000 |
| Noninterest income | 189,000 | 323,000 | 652,000 | 928,000 |
| Noninterest expense | 1,024,000 | 2,005,000 | 3,058,000 | 4,101,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 150,000 |
| Pretax income | 543,000 | 1,161,000 | 1,895,000 | 2,491,000 |
| Income tax | 118,000 | 297,000 | 497,000 | 709,000 |
| Net income | 425,000 | 864,000 | 1,398,000 | 1,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,192,000 | 36,261,000 | 36,795,000 | 36,808,000 |
| Total capital | 37,148,000 | 37,221,000 | 37,805,000 | 37,919,000 |
| Risk-weighted assets | 110,984,000 | 120,143,000 | 121,700,000 | 120,484,000 |