Call reports 2004
ISABELLA BANK — 2004
What ISABELLA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 543,799,000 | 541,960,000 | 528,136,000 | 542,849,000 |
| Total loans | 336,360,000 | 351,312,000 | 356,339,000 | 366,176,000 |
| Allowance for loan losses | 4,150,000 | 4,394,000 | 4,508,000 | 4,369,000 |
| Securities available for sale | 162,752,000 | 138,815,000 | 129,549,000 | 130,489,000 |
| Securities held to maturity | 1,248,000 | 933,000 | 542,000 | 493,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 476,892,000 | 468,075,000 | 464,472,000 | 467,678,000 |
| Interest-bearing deposits | 424,977,000 | 411,063,000 | 405,814,000 | 413,255,000 |
| Noninterest-bearing deposits | 51,915,000 | 57,012,000 | 58,658,000 | 54,423,000 |
| Equity capital | 45,375,000 | 43,572,000 | 45,340,000 | 45,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,614,000 | 13,220,000 | 19,779,000 | 26,505,000 |
| Interest expense | 2,062,000 | 4,062,000 | 6,078,000 | 8,201,000 |
| Net interest income | 4,552,000 | 9,158,000 | 13,701,000 | 18,304,000 |
| Noninterest income | 1,204,000 | 2,432,000 | 3,683,000 | 5,091,000 |
| Noninterest expense | 3,839,000 | 7,641,000 | 11,431,000 | 14,946,000 |
| Provision for loan losses | 150,000 | 300,000 | 400,000 | 550,000 |
| Pretax income | 1,780,000 | 3,718,000 | 5,637,000 | 7,991,000 |
| Income tax | 425,000 | 898,000 | 1,373,000 | 1,918,000 |
| Net income | 1,355,000 | 2,820,000 | 4,264,000 | 6,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,837,000 | 41,577,000 | 42,295,000 | 43,351,000 |
| Total capital | 44,987,000 | 45,928,000 | 46,669,000 | 47,720,000 |
| Risk-weighted assets | 338,623,000 | 348,028,000 | 349,849,000 | 355,867,000 |
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