Call reports 2003
ISABELLA BANK — 2003
What ISABELLA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 523,152,000 | 528,935,000 | 534,365,000 | 527,843,000 |
| Total loans | 303,017,000 | 306,792,000 | 323,754,000 | 333,967,000 |
| Allowance for loan losses | 4,031,000 | 4,141,000 | 4,104,000 | 3,993,000 |
| Securities available for sale | 158,758,000 | 168,999,000 | 161,361,000 | 147,526,000 |
| Securities held to maturity | 1,170,000 | 1,168,000 | 1,255,000 | 1,252,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 466,638,000 | 469,955,000 | 458,044,000 | 470,143,000 |
| Interest-bearing deposits | 412,779,000 | 408,524,000 | 402,772,000 | 412,527,000 |
| Noninterest-bearing deposits | 53,859,000 | 61,431,000 | 55,272,000 | 57,616,000 |
| Equity capital | 43,361,000 | 43,679,000 | 43,417,000 | 44,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,230,000 | 14,319,000 | 21,326,000 | 27,941,000 |
| Interest expense | 2,618,000 | 5,160,000 | 7,544,000 | 9,719,000 |
| Net interest income | 4,612,000 | 9,159,000 | 13,782,000 | 18,222,000 |
| Noninterest income | 1,993,000 | 3,833,000 | 5,618,000 | 7,020,000 |
| Noninterest expense | 4,480,000 | 8,717,000 | 12,706,000 | 16,484,000 |
| Provision for loan losses | 137,000 | 375,000 | 512,000 | 570,000 |
| Pretax income | 1,988,000 | 3,900,000 | 6,197,000 | 8,271,000 |
| Income tax | 495,000 | 963,000 | 1,560,000 | 1,856,000 |
| Net income | 1,493,000 | 2,937,000 | 4,637,000 | 6,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,993,000 | 37,943,000 | 38,880,000 | 39,913,000 |
| Total capital | 41,842,000 | 41,880,000 | 42,971,000 | 43,906,000 |
| Risk-weighted assets | 307,700,000 | 314,793,000 | 327,290,000 | 334,364,000 |
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