Call reports 2019
INDUSTRIAL BANK — 2019
What INDUSTRIAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 432,560,000 | 435,847,000 | 425,052,000 | 530,919,000 |
| Total loans | 310,340,000 | 318,457,000 | 311,719,000 | 344,580,000 |
| Allowance for loan losses | 4,179,000 | 4,213,000 | 4,190,000 | 3,795,000 |
| Securities available for sale | 67,342,000 | 63,778,000 | 61,246,000 | 86,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,407,000 | 357,042,000 | 360,358,000 | 479,073,000 |
| Interest-bearing deposits | 257,767,000 | 258,786,000 | 262,106,000 | 359,625,000 |
| Noninterest-bearing deposits | 98,640,000 | 98,256,000 | 98,252,000 | 119,448,000 |
| Equity capital | 36,204,000 | 36,965,000 | 37,533,000 | 40,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,658,000 | 9,556,000 | 14,411,000 | 20,497,000 |
| Interest expense | 560,000 | 1,163,000 | 1,795,000 | 2,406,000 |
| Net interest income | 4,098,000 | 8,393,000 | 12,616,000 | 18,091,000 |
| Noninterest income | 798,000 | 1,806,000 | 3,083,000 | 9,056,000 |
| Noninterest expense | 4,687,000 | 9,655,000 | 14,479,000 | 20,894,000 |
| Provision for loan losses | 0 | 0 | 0 | 500,000 |
| Pretax income | 209,000 | 544,000 | 1,220,000 | 5,753,000 |
| Income tax | 1,000 | 94,000 | 282,000 | 1,592,000 |
| Net income | 208,000 | 450,000 | 938,000 | 4,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,558,000 | 36,012,000 | 36,500,000 | 39,194,000 |
| Total capital | 39,488,000 | 40,019,000 | 40,386,000 | 42,990,000 |
| Risk-weighted assets | 314,137,000 | 320,372,000 | 310,572,000 | 353,641,000 |