Call reports 2015
IAB FINANCIAL BANK — 2015
What IAB FINANCIAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,026,684,000 | 1,025,984,000 | 1,035,477,000 | 1,046,888,000 |
| Total loans | 689,217,000 | 695,220,000 | 695,216,000 | 713,984,000 |
| Allowance for loan losses | 10,252,000 | 10,508,000 | 10,261,000 | 9,997,000 |
| Securities available for sale | 224,489,000 | 224,946,000 | 224,939,000 | 226,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 804,352,000 | 786,568,000 | 821,229,000 | 804,801,000 |
| Interest-bearing deposits | 622,582,000 | 606,842,000 | 626,443,000 | 598,832,000 |
| Noninterest-bearing deposits | 181,770,000 | 179,726,000 | 194,786,000 | 205,970,000 |
| Equity capital | 121,332,000 | 120,705,000 | 123,385,000 | 124,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,752,000 | 17,520,000 | 26,433,000 | 35,374,000 |
| Interest expense | 1,011,000 | 2,038,000 | 3,044,000 | 4,028,000 |
| Net interest income | 7,741,000 | 15,482,000 | 23,389,000 | 31,346,000 |
| Noninterest income | 1,681,000 | 3,497,000 | 5,349,000 | 7,333,000 |
| Noninterest expense | 6,861,000 | 13,757,000 | 20,364,000 | 27,153,000 |
| Provision for loan losses | 216,000 | 540,000 | 390,000 | 390,000 |
| Pretax income | 2,345,000 | 4,790,000 | 8,092,000 | 11,244,000 |
| Income tax | 431,000 | 871,000 | 1,643,000 | 2,364,000 |
| Net income | 1,914,000 | 3,919,000 | 6,449,000 | 8,880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,464,000 | 104,518,000 | 106,122,000 | 107,700,000 |
| Total capital | 112,949,000 | 114,132,000 | 116,220,000 | 117,701,000 |
| Risk-weighted assets | 757,744,000 | 767,903,000 | 807,255,000 | 821,823,000 |