Call reports 2018
INDUSTRIAL BANK — 2018
What INDUSTRIAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 412,009,000 | 414,470,000 | 421,121,000 | 432,771,000 |
| Total loans | 303,087,000 | 297,945,000 | 299,361,000 | 311,746,000 |
| Allowance for loan losses | 3,167,000 | 3,210,000 | 3,271,000 | 4,133,000 |
| Securities available for sale | 66,816,000 | 67,620,000 | 69,438,000 | 68,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,333,000 | 341,812,000 | 352,355,000 | 351,001,000 |
| Interest-bearing deposits | 247,686,000 | 245,827,000 | 250,482,000 | 254,122,000 |
| Noninterest-bearing deposits | 96,647,000 | 95,985,000 | 101,873,000 | 96,879,000 |
| Equity capital | 34,839,000 | 34,882,000 | 34,683,000 | 35,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,350,000 | 8,837,000 | 13,449,000 | 18,687,000 |
| Interest expense | 362,000 | 700,000 | 1,039,000 | 1,456,000 |
| Net interest income | 3,988,000 | 8,137,000 | 12,410,000 | 17,231,000 |
| Noninterest income | 1,021,000 | 2,058,000 | 3,268,000 | 4,450,000 |
| Noninterest expense | 4,395,000 | 9,168,000 | 13,755,000 | 19,589,000 |
| Provision for loan losses | 170,000 | 350,000 | 530,000 | 10,000 |
| Pretax income | 444,000 | 677,000 | 993,000 | 1,282,000 |
| Income tax | 37,000 | 70,000 | 248,000 | 280,000 |
| Net income | 407,000 | 607,000 | 745,000 | 1,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,820,000 | 35,020,000 | 35,200,000 | 35,350,000 |
| Total capital | 37,987,000 | 38,230,000 | 38,471,000 | 39,330,000 |
| Risk-weighted assets | 299,902,000 | 290,829,000 | 302,283,000 | 318,248,000 |
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