Call reports 2005
INDUSTRY STATE BANK — 2005
What INDUSTRY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 178,309,000 | 176,790,000 | 180,578,000 | 192,207,000 |
| Total loans | 73,000,000 | 75,539,000 | 74,574,000 | 76,966,000 |
| Allowance for loan losses | 1,173,000 | 1,095,000 | 962,000 | 985,000 |
| Securities available for sale | 89,444,000 | 90,122,000 | 92,255,000 | 95,835,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,479,000 | 145,043,000 | 153,435,000 | 165,728,000 |
| Interest-bearing deposits | 123,798,000 | 124,076,000 | 129,496,000 | 138,193,000 |
| Noninterest-bearing deposits | 22,681,000 | 20,967,000 | 23,939,000 | 27,535,000 |
| Equity capital | 15,869,000 | 16,823,000 | 16,958,000 | 16,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,192,000 | 4,405,000 | 6,680,000 | 9,074,000 |
| Interest expense | 903,000 | 1,848,000 | 2,873,000 | 3,986,000 |
| Net interest income | 1,289,000 | 2,557,000 | 3,807,000 | 5,088,000 |
| Noninterest income | 758,000 | 1,412,000 | 2,006,000 | 2,583,000 |
| Noninterest expense | 1,077,000 | 2,167,000 | 3,261,000 | 4,386,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 65,000 |
| Pretax income | 965,000 | 1,824,000 | 2,597,000 | 3,340,000 |
| Income tax | 221,000 | 425,000 | 570,000 | 691,000 |
| Net income | 744,000 | 1,399,000 | 2,027,000 | 2,649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,359,000 | 16,006,000 | 16,526,000 | 16,591,000 |
| Total capital | 16,532,000 | 17,101,000 | 17,488,000 | 17,576,000 |
| Risk-weighted assets | 95,828,000 | 98,943,000 | 97,447,000 | 102,139,000 |
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