Call reports 2007
INDEPENDENCE STATE BANK — 2007
What INDEPENDENCE STATE 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 | 68,957,000 | 68,728,000 | 69,006,000 | 75,111,000 |
| Total loans | 46,488,000 | 47,640,000 | 50,363,000 | 48,604,000 |
| Allowance for loan losses | 588,000 | 587,000 | 606,000 | 611,000 |
| Securities available for sale | 12,018,000 | 11,771,000 | 10,622,000 | 9,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,181,000 | 59,876,000 | 60,499,000 | 67,375,000 |
| Interest-bearing deposits | 55,891,000 | 55,076,000 | 54,949,000 | 61,293,000 |
| Noninterest-bearing deposits | 4,289,000 | 4,800,000 | 5,549,000 | 6,082,000 |
| Equity capital | 7,564,000 | 7,636,000 | 7,790,000 | 7,019,000 |
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 | 1,131,000 | 2,292,000 | 3,453,000 | 4,630,000 |
| Interest expense | 591,000 | 1,186,000 | 1,789,000 | 2,406,000 |
| Net interest income | 540,000 | 1,106,000 | 1,664,000 | 2,224,000 |
| Noninterest income | 130,000 | 267,000 | 385,000 | 496,000 |
| Noninterest expense | 550,000 | 1,077,000 | 1,626,000 | 2,232,000 |
| Provision for loan losses | 6,000 | 6,000 | 25,000 | 363,000 |
| Pretax income | 114,000 | 264,000 | 369,000 | 96,000 |
| Income tax | 61,000 | 67,000 | 76,000 | 85,000 |
| Net income | 53,000 | 197,000 | 293,000 | 11,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,624,000 | 7,736,000 | 7,797,000 | 6,983,000 |
| Total capital | 8,212,000 | 8,323,000 | 8,403,000 | 7,594,000 |
| Risk-weighted assets | 61,587,000 | 62,790,000 | 65,414,000 | 64,922,000 |
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