Call reports 2021
INDUSTRIAL BANK — 2021
What INDUSTRIAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 575,939,000 | 592,228,000 | 616,667,000 | 625,437,000 |
| Total loans | 339,983,000 | 319,184,000 | 309,943,000 | 304,004,000 |
| Allowance for loan losses | 5,530,000 | 5,790,000 | 5,923,000 | 5,879,000 |
| Securities available for sale | 111,563,000 | 175,593,000 | 192,327,000 | 221,108,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 514,699,000 | 519,128,000 | 539,549,000 | 548,144,000 |
| Interest-bearing deposits | 344,520,000 | 361,853,000 | 366,762,000 | 378,565,000 |
| Noninterest-bearing deposits | 170,179,000 | 157,275,000 | 172,787,000 | 169,579,000 |
| Equity capital | 48,935,000 | 59,488,000 | 64,441,000 | 62,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,906,000 | 10,760,000 | 15,591,000 | 20,572,000 |
| Interest expense | 181,000 | 317,000 | 423,000 | 509,000 |
| Net interest income | 4,725,000 | 10,443,000 | 15,168,000 | 20,063,000 |
| Noninterest income | 5,801,000 | 6,946,000 | 8,950,000 | 10,102,000 |
| Noninterest expense | 6,601,000 | 12,927,000 | 19,017,000 | 25,830,000 |
| Provision for loan losses | 308,000 | 557,000 | 806,000 | 806,000 |
| Pretax income | 3,605,000 | 3,893,000 | 4,276,000 | 3,502,000 |
| Income tax | 997,000 | 1,104,000 | 1,198,000 | 981,000 |
| Net income | 2,608,000 | 2,789,000 | 3,078,000 | 2,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,384,000 | 57,608,000 | 63,437,000 | 62,783,000 |
| Total capital | 51,600,000 | 61,711,000 | 67,568,000 | 67,048,000 |
| Risk-weighted assets | 335,982,000 | 326,565,000 | 328,681,000 | 339,697,000 |