Call reports 2015
INDUSTRIAL BANK — 2015
What INDUSTRIAL 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 | 355,688,000 | 365,317,000 | 372,753,000 | 388,951,000 |
| Total loans | 264,132,000 | 271,212,000 | 277,454,000 | 284,733,000 |
| Allowance for loan losses | 4,883,000 | 4,036,000 | 4,179,000 | 3,987,000 |
| Securities available for sale | 64,517,000 | 69,329,000 | 70,417,000 | 72,169,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,366,000 | 312,322,000 | 315,383,000 | 311,691,000 |
| Interest-bearing deposits | 227,793,000 | 230,017,000 | 231,224,000 | 226,923,000 |
| Noninterest-bearing deposits | 81,573,000 | 82,305,000 | 84,159,000 | 84,768,000 |
| Equity capital | 38,550,000 | 38,184,000 | 39,101,000 | 38,591,000 |
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 | 4,038,000 | 8,075,000 | 12,516,000 | 16,845,000 |
| Interest expense | 210,000 | 414,000 | 631,000 | 846,000 |
| Net interest income | 3,828,000 | 7,661,000 | 11,885,000 | 15,999,000 |
| Noninterest income | 865,000 | 1,874,000 | 2,814,000 | 3,945,000 |
| Noninterest expense | 4,293,000 | 8,633,000 | 13,089,000 | 17,663,000 |
| Provision for loan losses | 150,000 | 250,000 | 400,000 | 550,000 |
| Pretax income | 717,000 | 1,119,000 | 1,737,000 | 2,258,000 |
| Income tax | 243,000 | 352,000 | 538,000 | 728,000 |
| Net income | 474,000 | 767,000 | 1,199,000 | 1,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,550,000 | 36,657,000 | 36,222,000 | 36,464,000 |
| Total capital | 39,522,000 | 39,740,000 | 39,413,000 | 39,781,000 |
| Risk-weighted assets | 235,833,000 | 245,621,000 | 254,206,000 | 264,640,000 |
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