Call reports 2013
INDUSTRIAL BANK — 2013
What INDUSTRIAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 349,927,000 | 350,010,000 | 353,828,000 | 363,288,000 |
| Total loans | 233,882,000 | 238,880,000 | 243,312,000 | 241,123,000 |
| Allowance for loan losses | 5,116,000 | 5,291,000 | 4,878,000 | 4,363,000 |
| Securities available for sale | 77,639,000 | 67,000,000 | 78,224,000 | 76,808,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,438,000 | 294,184,000 | 297,183,000 | 297,145,000 |
| Interest-bearing deposits | 220,677,000 | 223,634,000 | 222,336,000 | 226,251,000 |
| Noninterest-bearing deposits | 71,761,000 | 70,550,000 | 74,847,000 | 70,894,000 |
| Equity capital | 37,460,000 | 35,944,000 | 35,170,000 | 35,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,359,000 | 8,415,000 | 12,442,000 | 16,388,000 |
| Interest expense | 311,000 | 580,000 | 825,000 | 1,069,000 |
| Net interest income | 4,048,000 | 7,835,000 | 11,617,000 | 15,319,000 |
| Noninterest income | 1,105,000 | 2,266,000 | 3,305,000 | 4,646,000 |
| Noninterest expense | 4,497,000 | 8,840,000 | 13,417,000 | 17,919,000 |
| Provision for loan losses | 150,000 | 400,000 | 400,000 | 550,000 |
| Pretax income | 556,000 | 884,000 | 1,128,000 | 1,644,000 |
| Income tax | 150,000 | 250,000 | 278,000 | 442,000 |
| Net income | 406,000 | 634,000 | 850,000 | 1,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,192,000 | 34,370,000 | 34,552,000 | 34,591,000 |
| Total capital | 37,213,000 | 37,295,000 | 37,533,000 | 37,537,000 |
| Risk-weighted assets | 239,518,000 | 231,589,000 | 236,530,000 | 234,212,000 |
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