Call reports 2015
INBANK — 2015
What INBANK 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 | 310,554,000 | 300,516,000 | 297,824,000 | 300,066,000 |
| Total loans | 158,709,000 | 160,485,000 | 155,907,000 | 151,303,000 |
| Allowance for loan losses | 3,984,000 | 3,759,000 | 3,717,000 | 3,714,000 |
| Securities available for sale | 228,000 | 0 | 0 | 0 |
| Securities held to maturity | 94,576,000 | 92,487,000 | 86,736,000 | 101,703,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,988,000 | 259,192,000 | 255,407,000 | 257,745,000 |
| Interest-bearing deposits | 202,069,000 | 194,863,000 | 183,960,000 | 185,562,000 |
| Noninterest-bearing deposits | 67,919,000 | 64,329,000 | 71,447,000 | 72,183,000 |
| Equity capital | 39,095,000 | 39,672,000 | 40,247,000 | 40,913,000 |
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 | 3,029,000 | 6,078,000 | 9,099,000 | 12,040,000 |
| Interest expense | 184,000 | 365,000 | 543,000 | 730,000 |
| Net interest income | 2,845,000 | 5,713,000 | 8,556,000 | 11,310,000 |
| Noninterest income | 607,000 | 1,171,000 | 1,508,000 | 2,644,000 |
| Noninterest expense | 2,518,000 | 5,000,000 | 7,324,000 | 10,213,000 |
| Provision for loan losses | 458,000 | 559,000 | 559,000 | 559,000 |
| Pretax income | 476,000 | 1,325,000 | 2,181,000 | 3,182,000 |
| Income tax | 149,000 | 416,000 | 691,000 | 1,021,000 |
| Net income | 327,000 | 909,000 | 1,490,000 | 2,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,966,000 | 39,549,000 | 40,130,000 | 40,844,000 |
| Total capital | 41,172,000 | 41,991,000 | 42,548,000 | 43,272,000 |
| Risk-weighted assets | 193,603,000 | 193,870,000 | 192,174,000 | 192,947,000 |