Call reports 2008
ISABELLA BANK — 2008
What ISABELLA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,047,531,000 | 1,056,307,000 | 1,066,552,000 | 1,083,993,000 |
| Total loans | 709,062,000 | 722,973,000 | 733,350,000 | 737,763,000 |
| Allowance for loan losses | 8,334,000 | 8,288,000 | 8,797,000 | 11,982,000 |
| Securities available for sale | 229,598,000 | 227,465,000 | 229,727,000 | 244,314,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 31,101,000 | 25,092,000 | 22,628,000 | 21,775,000 |
| Total deposits | 834,720,000 | 810,712,000 | 821,848,000 | 777,589,000 |
| Interest-bearing deposits | 746,187,000 | 711,845,000 | 725,213,000 | 679,246,000 |
| Noninterest-bearing deposits | 88,533,000 | 98,867,000 | 96,635,000 | 98,343,000 |
| Equity capital | 86,718,000 | 84,713,000 | 84,738,000 | 81,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 15,478,000 | 30,934,000 | 46,351,000 | 61,463,000 |
| Interest expense | 7,091,000 | 13,467,000 | 19,776,000 | 25,612,000 |
| Net interest income | 8,387,000 | 17,467,000 | 26,575,000 | 35,851,000 |
| Noninterest income | 2,380,000 | 4,191,000 | 6,760,000 | 8,781,000 |
| Noninterest expense | 6,774,000 | 13,685,000 | 20,668,000 | 28,811,000 |
| Provision for loan losses | 1,207,000 | 2,800,000 | 3,775,000 | 9,500,000 |
| Pretax income | 2,786,000 | 5,188,000 | 8,907,000 | 6,345,000 |
| Income tax | 481,000 | 828,000 | 1,599,000 | 209,000 |
| Net income | 2,305,000 | 4,360,000 | 7,308,000 | 6,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,799,000 | 80,553,000 | 82,206,000 | 80,144,000 |
| Total capital | 88,133,000 | 88,841,000 | 91,003,000 | 89,191,000 |
| Risk-weighted assets | 696,287,000 | 705,714,000 | 713,679,000 | 720,824,000 |