Call reports 2016
INDUSTRIAL STATE BANK — 2016
What INDUSTRIAL STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 142,707,000 | 138,059,000 | 139,113,000 | 139,293,000 |
| Total loans | 90,050,000 | 86,008,000 | 86,848,000 | 79,764,000 |
| Allowance for loan losses | 1,153,000 | 1,146,000 | 1,147,000 | 1,154,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 36,721,000 | 37,565,000 | 34,122,000 | 30,722,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,341,000 | 100,643,000 | 101,318,000 | 100,975,000 |
| Interest-bearing deposits | 73,317,000 | 70,533,000 | 69,611,000 | 67,513,000 |
| Noninterest-bearing deposits | 32,024,000 | 30,110,000 | 31,707,000 | 33,462,000 |
| Equity capital | 37,181,000 | 37,169,000 | 37,529,000 | 38,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,487,000 | 2,908,000 | 4,313,000 | 5,662,000 |
| Interest expense | 78,000 | 154,000 | 228,000 | 300,000 |
| Net interest income | 1,409,000 | 2,754,000 | 4,085,000 | 5,362,000 |
| Noninterest income | 179,000 | 299,000 | 485,000 | 984,000 |
| Noninterest expense | 1,035,000 | 2,047,000 | 3,066,000 | 4,042,000 |
| Provision for loan losses | 40,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 521,000 | 1,027,000 | 1,531,000 | 2,383,000 |
| Income tax | 148,000 | 291,000 | 435,000 | 724,000 |
| Net income | 373,000 | 736,000 | 1,096,000 | 1,659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,181,000 | 37,169,000 | 37,529,000 | 38,092,000 |
| Total capital | 38,334,000 | 38,315,000 | 38,676,000 | 39,246,000 |
| Risk-weighted assets | 122,067,000 | 117,142,000 | 119,340,000 | 108,188,000 |