Call reports 2007
ISABELLA BANK — 2007
What ISABELLA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 653,125,000 | 901,503,000 | 886,704,000 | 919,703,000 |
| Total loans | 434,340,000 | 606,071,000 | 611,568,000 | 614,901,000 |
| Allowance for loan losses | 4,653,000 | 7,746,000 | 7,614,000 | 7,301,000 |
| Securities available for sale | 104,272,000 | 162,005,000 | 180,789,000 | 210,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 62,138,000 | 41,777,000 | 30,062,000 | 25,064,000 |
| Total deposits | 549,820,000 | 727,949,000 | 732,773,000 | 749,731,000 |
| Interest-bearing deposits | 488,725,000 | 643,418,000 | 652,448,000 | 663,718,000 |
| Noninterest-bearing deposits | 61,095,000 | 84,531,000 | 80,325,000 | 86,013,000 |
| Equity capital | 49,382,000 | 101,464,000 | 81,793,000 | 72,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,256,000 | 26,408,000 | 40,208,000 | 53,979,000 |
| Interest expense | 4,664,000 | 12,714,000 | 19,361,000 | 25,788,000 |
| Net interest income | 4,592,000 | 13,694,000 | 20,847,000 | 28,191,000 |
| Noninterest income | 1,680,000 | 3,479,000 | 5,542,000 | 7,653,000 |
| Noninterest expense | 4,087,000 | 11,164,000 | 16,862,000 | 22,577,000 |
| Provision for loan losses | 86,000 | 351,000 | 618,000 | 1,211,000 |
| Pretax income | 2,083,000 | 5,628,000 | 8,879,000 | 12,037,000 |
| Income tax | 398,000 | 1,195,000 | 1,907,000 | 2,502,000 |
| Net income | 1,685,000 | 4,433,000 | 6,972,000 | 9,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,920,000 | 76,856,000 | 78,292,000 | 68,468,000 |
| Total capital | 51,573,000 | 84,029,000 | 85,541,000 | 75,769,000 |
| Risk-weighted assets | 427,161,000 | 574,833,000 | 579,537,000 | 596,319,000 |
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