Call reports 2023
INDUSTRIAL BANK — 2023
What INDUSTRIAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 713,367,000 | 707,401,000 | 737,952,000 | 739,181,000 |
| Total loans | 365,287,000 | 369,611,000 | 377,270,000 | 374,293,000 |
| Allowance for loan losses | 11,931,000 | 8,161,000 | 8,441,000 | 8,665,000 |
| Securities available for sale | 282,107,000 | 268,190,000 | 257,060,000 | 266,363,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 606,134,000 | 601,532,000 | 636,382,000 | 603,344,000 |
| Interest-bearing deposits | 409,745,000 | 410,953,000 | 448,990,000 | 415,487,000 |
| Noninterest-bearing deposits | 196,389,000 | 190,579,000 | 187,392,000 | 187,857,000 |
| Equity capital | 96,234,000 | 96,208,000 | 92,285,000 | 100,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 8,275,000 | 16,094,000 | 24,240,000 | 33,118,000 |
| Interest expense | 435,000 | 1,192,000 | 2,528,000 | 4,087,000 |
| Net interest income | 7,840,000 | 14,902,000 | 21,712,000 | 29,031,000 |
| Noninterest income | 992,000 | 5,673,000 | 6,866,000 | 8,392,000 |
| Noninterest expense | 6,888,000 | 14,791,000 | 22,216,000 | 29,297,000 |
| Provision for loan losses | 4,429,000 | 4,678,000 | 4,927,000 | 5,176,000 |
| Pretax income | -2,471,000 | 1,107,000 | 1,396,000 | 2,961,000 |
| Income tax | -692,000 | 310,000 | 391,000 | 829,000 |
| Net income | -1,779,000 | 797,000 | 1,005,000 | 2,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,316,000 | 117,907,000 | 118,129,000 | 119,265,000 |
| Total capital | 120,675,000 | 123,260,000 | 123,626,000 | 124,757,000 |
| Risk-weighted assets | 422,033,000 | 425,384,000 | 436,730,000 | 436,180,000 |
Machine access — free, no API key
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