Call reports 2014
IAB FINANCIAL BANK — 2014
What IAB FINANCIAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 935,581,000 | 960,393,000 | 945,476,000 | 958,584,000 |
| Total loans | 645,865,000 | 666,134,000 | 654,938,000 | 657,758,000 |
| Allowance for loan losses | 10,016,000 | 9,908,000 | 10,351,000 | 10,057,000 |
| Securities available for sale | 183,879,000 | 191,193,000 | 189,324,000 | 192,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 716,578,000 | 754,306,000 | 746,910,000 | 730,915,000 |
| Interest-bearing deposits | 566,258,000 | 592,675,000 | 581,633,000 | 553,582,000 |
| Noninterest-bearing deposits | 150,320,000 | 161,631,000 | 165,277,000 | 177,333,000 |
| Equity capital | 115,072,000 | 116,974,000 | 118,310,000 | 120,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 8,606,000 | 17,438,000 | 26,560,000 | 35,441,000 |
| Interest expense | 1,422,000 | 2,813,000 | 3,958,000 | 5,012,000 |
| Net interest income | 7,184,000 | 14,625,000 | 22,602,000 | 30,429,000 |
| Noninterest income | 1,730,000 | 3,626,000 | 5,548,000 | 7,412,000 |
| Noninterest expense | 6,665,000 | 13,134,000 | 19,316,000 | 25,587,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,350,000 | 1,200,000 |
| Pretax income | 1,849,000 | 4,269,000 | 7,617,000 | 11,187,000 |
| Income tax | 231,000 | 683,000 | 1,492,000 | 2,376,000 |
| Net income | 1,618,000 | 3,586,000 | 6,125,000 | 8,811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,022,000 | 100,096,000 | 101,701,000 | 103,454,000 |
| Total capital | 107,819,000 | 109,135,000 | 110,616,000 | 112,418,000 |
| Risk-weighted assets | 702,117,000 | 721,920,000 | 711,453,000 | 715,697,000 |