Call reports 2015
INDEPENDENT CORRESPONDENT BANKERS' BANK, INC. — 2015
What INDEPENDENT CORRESPONDENT BANKERS' BANK, INC. 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 | 71,144,000 | 79,814,000 | 82,920,000 | 86,428,000 |
| Total loans | 22,222,000 | 23,217,000 | 20,583,000 | 20,296,000 |
| Allowance for loan losses | 285,000 | 285,000 | 286,000 | 286,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,791,000 | 66,268,000 | 69,292,000 | 72,723,000 |
| Interest-bearing deposits | 0 | 0 | 0 | 0 |
| Noninterest-bearing deposits | 57,791,000 | 66,268,000 | 69,292,000 | 72,723,000 |
| Equity capital | 12,543,000 | 12,641,000 | 12,706,000 | 12,808,000 |
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 | 285,000 | 581,000 | 862,000 | 1,128,000 |
| Interest expense | 27,000 | 68,000 | 102,000 | 119,000 |
| Net interest income | 258,000 | 513,000 | 760,000 | 1,009,000 |
| Noninterest income | 996,000 | 2,052,000 | 3,047,000 | 4,063,000 |
| Noninterest expense | 1,121,000 | 2,275,000 | 3,411,000 | 4,512,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 123,000 | 280,000 | 386,000 | 550,000 |
| Income tax | 47,000 | 106,000 | 147,000 | 209,000 |
| Net income | 76,000 | 174,000 | 239,000 | 341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,543,000 | 12,641,000 | 12,706,000 | 12,808,000 |
| Total capital | 12,828,000 | 12,926,000 | 12,992,000 | 13,094,000 |
| Risk-weighted assets | 29,203,000 | 28,506,000 | 25,234,000 | 27,994,000 |