Call reports 2002
ISABELLA BANK — 2002
What ISABELLA BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 491,815,000 | 493,665,000 | 503,232,000 | 516,025,000 |
| Total loans | 295,316,000 | 299,307,000 | 308,226,000 | 308,450,000 |
| Allowance for loan losses | 3,815,000 | 3,824,000 | 3,875,000 | 3,860,000 |
| Securities available for sale | 119,560,000 | 132,667,000 | 133,486,000 | 140,071,000 |
| Securities held to maturity | 1,611,000 | 1,357,000 | 1,353,000 | 1,174,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,679,000 | 444,668,000 | 449,370,000 | 462,585,000 |
| Interest-bearing deposits | 398,205,000 | 395,126,000 | 395,186,000 | 409,096,000 |
| Noninterest-bearing deposits | 46,474,000 | 49,542,000 | 54,184,000 | 53,489,000 |
| Equity capital | 37,917,000 | 39,307,000 | 41,583,000 | 41,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,381,000 | 14,708,000 | 22,232,000 | 29,649,000 |
| Interest expense | 3,270,000 | 6,334,000 | 9,307,000 | 12,129,000 |
| Net interest income | 4,111,000 | 8,374,000 | 12,925,000 | 17,520,000 |
| Noninterest income | 993,000 | 1,937,000 | 3,186,000 | 4,748,000 |
| Noninterest expense | 3,220,000 | 6,412,000 | 9,976,000 | 14,353,000 |
| Provision for loan losses | 113,000 | 225,000 | 338,000 | 650,000 |
| Pretax income | 1,771,000 | 3,674,000 | 5,797,000 | 7,266,000 |
| Income tax | 437,000 | 913,000 | 1,454,000 | 1,750,000 |
| Net income | 1,334,000 | 2,761,000 | 4,343,000 | 5,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,778,000 | 35,224,000 | 36,330,000 | 36,525,000 |
| Total capital | 38,463,000 | 38,972,000 | 40,157,000 | 40,385,000 |
| Risk-weighted assets | 294,692,000 | 299,759,000 | 306,118,000 | 311,324,000 |
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