Call reports 2009
ISABELLA BANK — 2009
What ISABELLA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,070,335,000 | 1,039,621,000 | 1,069,682,000 | 1,087,522,000 |
| Total loans | 731,810,000 | 730,378,000 | 728,684,000 | 728,135,000 |
| Allowance for loan losses | 11,925,000 | 12,052,000 | 12,628,000 | 12,979,000 |
| Securities available for sale | 242,067,000 | 214,471,000 | 249,062,000 | 256,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 19,179,000 | 16,111,000 | 15,459,000 | 13,563,000 |
| Total deposits | 781,729,000 | 774,756,000 | 794,346,000 | 803,844,000 |
| Interest-bearing deposits | 693,054,000 | 678,837,000 | 700,910,000 | 706,177,000 |
| Noninterest-bearing deposits | 88,675,000 | 95,919,000 | 93,436,000 | 97,667,000 |
| Equity capital | 81,880,000 | 82,454,000 | 89,344,000 | 88,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 14,677,000 | 29,189,000 | 43,649,000 | 58,044,000 |
| Interest expense | 5,227,000 | 10,250,000 | 15,179,000 | 19,828,000 |
| Net interest income | 9,450,000 | 18,939,000 | 28,470,000 | 38,216,000 |
| Noninterest income | 2,420,000 | 5,307,000 | 8,062,000 | 10,439,000 |
| Noninterest expense | 8,440,000 | 16,440,000 | 24,049,000 | 31,755,000 |
| Provision for loan losses | 1,472,000 | 3,007,000 | 4,549,000 | 6,093,000 |
| Pretax income | 2,179,000 | 5,447,000 | 8,582,000 | 11,455,000 |
| Income tax | 260,000 | 889,000 | 1,483,000 | 1,812,000 |
| Net income | 1,919,000 | 4,558,000 | 7,099,000 | 9,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,222,000 | 81,711,000 | 83,072,000 | 84,012,000 |
| Total capital | 89,208,000 | 90,635,000 | 92,085,000 | 93,079,000 |
| Risk-weighted assets | 715,922,000 | 710,753,000 | 717,388,000 | 721,413,000 |