Call reports 2012
INDUSTRIAL BANK — 2012
What INDUSTRIAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 367,494,000 | 350,762,000 | 342,288,000 | 364,041,000 |
| Total loans | 245,702,000 | 240,880,000 | 230,876,000 | 233,810,000 |
| Allowance for loan losses | 5,738,000 | 5,178,000 | 5,213,000 | 4,936,000 |
| Securities available for sale | 96,145,000 | 89,304,000 | 86,770,000 | 82,122,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,839,000 | 279,544,000 | 280,647,000 | 279,840,000 |
| Interest-bearing deposits | 215,553,000 | 210,858,000 | 209,087,000 | 211,549,000 |
| Noninterest-bearing deposits | 68,286,000 | 68,686,000 | 71,560,000 | 68,291,000 |
| Equity capital | 33,403,000 | 34,883,000 | 35,948,000 | 37,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,612,000 | 8,983,000 | 13,259,000 | 17,354,000 |
| Interest expense | 392,000 | 754,000 | 1,127,000 | 1,475,000 |
| Net interest income | 4,220,000 | 8,229,000 | 12,132,000 | 15,879,000 |
| Noninterest income | 1,366,000 | 2,269,000 | 3,475,000 | 4,498,000 |
| Noninterest expense | 4,652,000 | 9,398,000 | 14,147,000 | 18,353,000 |
| Provision for loan losses | 375,000 | 375,000 | 575,000 | 725,000 |
| Pretax income | 532,000 | 553,000 | 496,000 | 1,124,000 |
| Income tax | 162,000 | 126,000 | 18,000 | 79,000 |
| Net income | 370,000 | 427,000 | 478,000 | 1,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,543,000 | 33,600,000 | 33,553,000 | 34,023,000 |
| Total capital | 36,580,000 | 36,600,000 | 36,377,000 | 36,886,000 |
| Risk-weighted assets | 240,195,000 | 237,731,000 | 223,452,000 | 226,907,000 |