Call reports 2010
INDUSTRY STATE BANK — 2010
What INDUSTRY STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 327,498,000 | 341,273,000 | 360,774,000 | 375,908,000 |
| Total loans | 111,729,000 | 112,559,000 | 110,430,000 | 114,843,000 |
| Allowance for loan losses | 1,942,000 | 1,986,000 | 2,019,000 | 2,126,000 |
| Securities available for sale | 194,968,000 | 199,761,000 | 218,605,000 | 225,077,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,609,000 | 302,704,000 | 318,037,000 | 341,027,000 |
| Interest-bearing deposits | 257,059,000 | 285,845,000 | 281,701,000 | 321,038,000 |
| Noninterest-bearing deposits | 31,550,000 | 16,859,000 | 36,336,000 | 19,989,000 |
| Equity capital | 29,054,000 | 29,784,000 | 33,381,000 | 26,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,940,000 | 7,784,000 | 11,734,000 | 15,675,000 |
| Interest expense | 1,423,000 | 2,860,000 | 4,294,000 | 5,733,000 |
| Net interest income | 2,517,000 | 4,924,000 | 7,440,000 | 9,942,000 |
| Noninterest income | 1,438,000 | 2,682,000 | 4,007,000 | 5,170,000 |
| Noninterest expense | 2,034,000 | 4,078,000 | 6,146,000 | 9,208,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 2,102,000 | 3,869,000 | 5,719,000 | 6,460,000 |
| Income tax | 402,000 | 658,000 | 911,000 | 762,000 |
| Net income | 1,700,000 | 3,211,000 | 4,808,000 | 5,698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,146,000 | 25,723,000 | 27,414,000 | 28,312,000 |
| Total capital | 27,004,000 | 27,634,000 | 29,349,000 | 30,407,000 |
| Risk-weighted assets | 148,593,000 | 152,800,000 | 154,725,000 | 167,574,000 |