Call reports 2025
INDUSTRIAL BANK — 2025
What INDUSTRIAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 754,310,000 | 751,144,000 | 745,669,000 | 773,478,000 |
| Total loans | 406,117,000 | 416,530,000 | 417,422,000 | 412,309,000 |
| Allowance for loan losses | 11,421,000 | 12,255,000 | 11,478,000 | 12,622,000 |
| Securities available for sale | 260,103,000 | 255,179,000 | 251,282,000 | 294,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 642,266,000 | 636,110,000 | 627,358,000 | 604,504,000 |
| Interest-bearing deposits | 489,386,000 | 484,140,000 | 485,091,000 | 466,716,000 |
| Noninterest-bearing deposits | 152,880,000 | 151,970,000 | 142,267,000 | 137,788,000 |
| Equity capital | 103,170,000 | 104,263,000 | 107,351,000 | 107,510,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,607,000 | 17,699,000 | 26,540,000 | 35,548,000 |
| Interest expense | 2,350,000 | 4,723,000 | 6,951,000 | 9,289,000 |
| Net interest income | 6,257,000 | 12,976,000 | 19,589,000 | 26,259,000 |
| Noninterest income | 1,233,000 | 2,648,000 | 3,829,000 | 5,068,000 |
| Noninterest expense | 6,983,000 | 14,416,000 | 21,652,000 | 28,966,000 |
| Provision for loan losses | 2,514,000 | 3,536,000 | 2,037,000 | 3,378,000 |
| Pretax income | -1,991,000 | -2,311,000 | -242,000 | -980,000 |
| Income tax | -562,000 | -647,000 | -67,000 | -273,000 |
| Net income | -1,429,000 | -1,664,000 | -175,000 | -707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 118,866,000 | 118,631,000 | 120,120,000 | 119,588,000 |
| Total capital | 124,733,000 | 124,498,000 | 126,034,000 | 125,532,000 |
| Risk-weighted assets | 463,834,000 | 462,962,000 | 467,555,000 | 468,912,000 |
Machine access — free, no API key
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