Call reports 2005
ISABELLA BANK — 2005
What ISABELLA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 536,475,000 | 555,423,000 | 574,049,000 | 583,098,000 |
| Total loans | 361,933,000 | 373,066,000 | 385,557,000 | 390,886,000 |
| Allowance for loan losses | 4,526,000 | 4,553,000 | 4,557,000 | 4,635,000 |
| Securities available for sale | 133,230,000 | 136,138,000 | 139,472,000 | 143,826,000 |
| Securities held to maturity | 492,000 | 491,000 | 326,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 463,947,000 | 475,348,000 | 483,310,000 | 492,865,000 |
| Interest-bearing deposits | 445,162,000 | 452,837,000 | 459,390,000 | 473,876,000 |
| Noninterest-bearing deposits | 18,785,000 | 22,511,000 | 23,920,000 | 18,989,000 |
| Equity capital | 45,266,000 | 46,739,000 | 47,023,000 | 44,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,772,000 | 13,818,000 | 21,168,000 | 28,914,000 |
| Interest expense | 2,216,000 | 4,664,000 | 7,412,000 | 10,431,000 |
| Net interest income | 4,556,000 | 9,154,000 | 13,756,000 | 18,483,000 |
| Noninterest income | 1,141,000 | 2,398,000 | 3,816,000 | 5,240,000 |
| Noninterest expense | 3,928,000 | 7,812,000 | 11,760,000 | 15,452,000 |
| Provision for loan losses | 165,000 | 229,000 | 375,000 | 585,000 |
| Pretax income | 1,604,000 | 3,511,000 | 5,437,000 | 7,686,000 |
| Income tax | 341,000 | 782,000 | 1,226,000 | 1,791,000 |
| Net income | 1,263,000 | 2,729,000 | 4,211,000 | 5,895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,888,000 | 44,449,000 | 45,203,000 | 43,458,000 |
| Total capital | 48,181,000 | 49,002,000 | 49,760,000 | 48,093,000 |
| Risk-weighted assets | 353,209,000 | 367,610,000 | 380,181,000 | 387,595,000 |
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