Call reports 2015
IPAVA STATE BANK — 2015
What IPAVA 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 | 103,485,000 | 103,576,000 | 105,141,000 | 105,610,000 |
| Total loans | 71,404,000 | 73,580,000 | 75,647,000 | 77,375,000 |
| Allowance for loan losses | 900,000 | 916,000 | 931,000 | 946,000 |
| Securities available for sale | 253,000 | 250,000 | 253,000 | 0 |
| Securities held to maturity | 19,234,000 | 19,420,000 | 19,578,000 | 18,093,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,060,000 | 90,435,000 | 89,743,000 | 90,770,000 |
| Interest-bearing deposits | 80,152,000 | 79,947,000 | 79,518,000 | 80,226,000 |
| Noninterest-bearing deposits | 11,908,000 | 10,488,000 | 10,225,000 | 10,544,000 |
| Equity capital | 9,994,000 | 10,228,000 | 10,355,000 | 10,211,000 |
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 | 1,092,000 | 2,234,000 | 3,382,000 | 4,604,000 |
| Interest expense | 136,000 | 264,000 | 394,000 | 529,000 |
| Net interest income | 956,000 | 1,970,000 | 2,988,000 | 4,075,000 |
| Noninterest income | 260,000 | 499,000 | 761,000 | 947,000 |
| Noninterest expense | 902,000 | 1,725,000 | 2,619,000 | 3,575,000 |
| Provision for loan losses | 15,000 | 30,000 | 47,000 | 62,000 |
| Pretax income | 299,000 | 714,000 | 1,083,000 | 1,388,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 299,000 | 714,000 | 1,083,000 | 1,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,781,000 | 10,018,000 | 10,142,000 | 10,002,000 |
| Total capital | 10,681,000 | 10,934,000 | 11,073,000 | 10,948,000 |
| Risk-weighted assets | 75,185,000 | 77,753,000 | 80,027,000 | 87,733,000 |