Call reports 2022
INDUSTRIAL BANK — 2022
What INDUSTRIAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 621,400,000 | 690,213,000 | 688,619,000 | 722,995,000 |
| Total loans | 316,268,000 | 321,840,000 | 329,544,000 | 342,570,000 |
| Allowance for loan losses | 5,958,000 | 6,174,000 | 6,453,000 | 6,586,000 |
| Securities available for sale | 237,222,000 | 251,258,000 | 274,097,000 | 282,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 553,158,000 | 559,164,000 | 582,472,000 | 618,519,000 |
| Interest-bearing deposits | 379,759,000 | 386,305,000 | 399,447,000 | 409,019,000 |
| Noninterest-bearing deposits | 173,399,000 | 172,859,000 | 183,025,000 | 209,500,000 |
| Equity capital | 53,295,000 | 101,803,000 | 93,173,000 | 94,711,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 5,107,000 | 10,040,000 | 16,215,000 | 23,423,000 |
| Interest expense | 70,000 | 135,000 | 227,000 | 392,000 |
| Net interest income | 5,037,000 | 9,905,000 | 15,988,000 | 23,031,000 |
| Noninterest income | 1,464,000 | 2,928,000 | 4,127,000 | 5,426,000 |
| Noninterest expense | 6,124,000 | 12,232,000 | 19,004,000 | 25,952,000 |
| Provision for loan losses | 101,000 | 350,000 | 727,000 | 976,000 |
| Pretax income | 227,000 | 164,000 | 247,000 | 1,398,000 |
| Income tax | 61,000 | 44,000 | 69,000 | 392,000 |
| Net income | 166,000 | 120,000 | 178,000 | 1,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,982,000 | 116,464,000 | 116,550,000 | 117,400,000 |
| Total capital | 67,369,000 | 121,109,000 | 121,316,000 | 122,387,000 |
| Risk-weighted assets | 349,384,000 | 370,093,000 | 379,573,000 | 397,321,000 |