Call reports 2009
INDUSTRY STATE BANK — 2009
What INDUSTRY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 259,544,000 | 274,765,000 | 294,281,000 | 318,065,000 |
| Total loans | 98,646,000 | 104,562,000 | 109,196,000 | 110,753,000 |
| Allowance for loan losses | 1,378,000 | 1,520,000 | 1,605,000 | 1,755,000 |
| Securities available for sale | 135,348,000 | 152,115,000 | 166,931,000 | 186,063,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,601,000 | 242,836,000 | 258,031,000 | 281,206,000 |
| Interest-bearing deposits | 194,662,000 | 205,385,000 | 224,103,000 | 248,670,000 |
| Noninterest-bearing deposits | 31,939,000 | 37,451,000 | 33,928,000 | 32,536,000 |
| Equity capital | 22,202,000 | 22,049,000 | 26,268,000 | 27,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,263,000 | 6,682,000 | 10,315,000 | 14,192,000 |
| Interest expense | 1,427,000 | 2,848,000 | 4,286,000 | 5,748,000 |
| Net interest income | 1,836,000 | 3,834,000 | 6,029,000 | 8,444,000 |
| Noninterest income | 1,614,000 | 2,799,000 | 4,030,000 | 5,155,000 |
| Noninterest expense | 1,955,000 | 3,991,000 | 6,023,000 | 8,143,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 650,000 |
| Pretax income | 1,626,000 | 2,730,000 | 4,183,000 | 5,562,000 |
| Income tax | 364,000 | 524,000 | 770,000 | 964,000 |
| Net income | 1,262,000 | 2,206,000 | 3,413,000 | 4,598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,274,000 | 19,453,000 | 20,796,000 | 23,501,000 |
| Total capital | 20,652,000 | 20,973,000 | 22,401,000 | 25,256,000 |
| Risk-weighted assets | 123,789,000 | 132,423,000 | 139,179,000 | 147,860,000 |