Call reports 2014
INDUSTRIAL BANK — 2014
What INDUSTRIAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 351,139,000 | 354,702,000 | 365,179,000 | 368,286,000 |
| Total loans | 243,456,000 | 246,510,000 | 252,532,000 | 261,817,000 |
| Allowance for loan losses | 4,529,000 | 4,607,000 | 4,481,000 | 4,648,000 |
| Securities available for sale | 73,182,000 | 74,942,000 | 86,125,000 | 67,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,168,000 | 309,444,000 | 309,101,000 | 304,834,000 |
| Interest-bearing deposits | 231,163,000 | 232,530,000 | 230,944,000 | 227,913,000 |
| Noninterest-bearing deposits | 76,005,000 | 76,914,000 | 78,157,000 | 76,921,000 |
| Equity capital | 36,310,000 | 37,383,000 | 37,338,000 | 38,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,900,000 | 8,293,000 | 12,230,000 | 16,342,000 |
| Interest expense | 229,000 | 450,000 | 676,000 | 894,000 |
| Net interest income | 3,671,000 | 7,843,000 | 11,554,000 | 15,448,000 |
| Noninterest income | 943,000 | 1,919,000 | 2,861,000 | 5,781,000 |
| Noninterest expense | 4,208,000 | 8,593,000 | 12,956,000 | 17,603,000 |
| Provision for loan losses | 50,000 | 50,000 | 200,000 | 350,000 |
| Pretax income | 469,000 | 1,291,000 | 1,413,000 | 3,364,000 |
| Income tax | 118,000 | 371,000 | 366,000 | 1,150,000 |
| Net income | 351,000 | 920,000 | 1,047,000 | 2,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,906,000 | 35,438,000 | 35,415,000 | 36,112,000 |
| Total capital | 37,682,000 | 38,256,000 | 38,288,000 | 39,001,000 |
| Risk-weighted assets | 220,216,000 | 223,563,000 | 228,181,000 | 229,282,000 |
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