Call reports 2007
INDUSTRY STATE BANK — 2007
What INDUSTRY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 201,639,000 | 202,141,000 | 201,852,000 | 221,463,000 |
| Total loans | 79,228,000 | 85,604,000 | 85,637,000 | 82,002,000 |
| Allowance for loan losses | 785,000 | 816,000 | 828,000 | 845,000 |
| Securities available for sale | 109,133,000 | 103,226,000 | 101,243,000 | 114,756,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,489,000 | 174,389,000 | 177,439,000 | 192,869,000 |
| Interest-bearing deposits | 153,768,000 | 151,737,000 | 154,872,000 | 161,028,000 |
| Noninterest-bearing deposits | 23,721,000 | 22,652,000 | 22,567,000 | 31,841,000 |
| Equity capital | 18,526,000 | 15,910,000 | 17,221,000 | 17,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,905,000 | 5,841,000 | 8,843,000 | 11,886,000 |
| Interest expense | 1,679,000 | 3,401,000 | 5,162,000 | 6,900,000 |
| Net interest income | 1,226,000 | 2,440,000 | 3,681,000 | 4,986,000 |
| Noninterest income | 948,000 | 1,845,000 | 2,736,000 | 3,564,000 |
| Noninterest expense | 1,293,000 | 2,602,000 | 3,889,000 | 5,285,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 857,000 | 1,637,000 | 2,473,000 | 3,180,000 |
| Income tax | 168,000 | 308,000 | 465,000 | 571,000 |
| Net income | 689,000 | 1,329,000 | 2,008,000 | 2,609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,722,000 | 17,043,000 | 17,767,000 | 17,764,000 |
| Total capital | 18,507,000 | 17,859,000 | 18,595,000 | 18,609,000 |
| Risk-weighted assets | 101,119,000 | 107,999,000 | 107,385,000 | 108,293,000 |
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