Call reports 2008
INDUSTRY STATE BANK — 2008
What INDUSTRY STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 226,403,000 | 234,874,000 | 234,444,000 | 248,216,000 |
| Total loans | 87,415,000 | 91,931,000 | 99,843,000 | 99,677,000 |
| Allowance for loan losses | 829,000 | 869,000 | 1,007,000 | 1,211,000 |
| Securities available for sale | 124,425,000 | 122,580,000 | 115,363,000 | 126,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,998,000 | 199,258,000 | 203,326,000 | 212,507,000 |
| Interest-bearing deposits | 173,124,000 | 173,469,000 | 174,445,000 | 185,727,000 |
| Noninterest-bearing deposits | 23,874,000 | 25,789,000 | 28,881,000 | 26,780,000 |
| Equity capital | 19,444,000 | 19,642,000 | 20,072,000 | 21,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,104,000 | 6,258,000 | 9,497,000 | 12,752,000 |
| Interest expense | 1,715,000 | 3,321,000 | 4,891,000 | 6,367,000 |
| Net interest income | 1,389,000 | 2,937,000 | 4,606,000 | 6,385,000 |
| Noninterest income | 1,027,000 | 2,020,000 | 3,219,000 | 4,344,000 |
| Noninterest expense | 1,359,000 | 2,995,000 | 4,874,000 | 6,847,000 |
| Provision for loan losses | 40,000 | 100,000 | 220,000 | 460,000 |
| Pretax income | 1,098,000 | 1,957,000 | 2,830,000 | 3,677,000 |
| Income tax | 229,000 | 367,000 | 502,000 | 617,000 |
| Net income | 869,000 | 1,590,000 | 2,328,000 | 3,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,678,000 | 16,635,000 | 17,509,000 | 17,876,000 |
| Total capital | 19,507,000 | 17,504,000 | 18,516,000 | 19,087,000 |
| Risk-weighted assets | 116,100,000 | 119,392,000 | 124,289,000 | 121,880,000 |
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