Call reports 2008
INDEPENDENCE STATE BANK — 2008
What INDEPENDENCE STATE 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 | 70,337,000 | 66,608,000 | 61,846,000 | 60,293,000 |
| Total loans | 49,883,000 | 47,851,000 | 43,393,000 | 42,478,000 |
| Allowance for loan losses | 593,000 | 915,000 | 677,000 | 1,061,000 |
| Securities available for sale | 9,806,000 | 9,594,000 | 10,966,000 | 10,090,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,008,000 | 59,507,000 | 55,566,000 | 54,829,000 |
| Interest-bearing deposits | 56,457,000 | 54,718,000 | 50,365,000 | 49,425,000 |
| Noninterest-bearing deposits | 5,552,000 | 4,788,000 | 5,202,000 | 5,404,000 |
| Equity capital | 6,985,000 | 6,360,000 | 5,800,000 | 5,134,000 |
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 | 1,124,000 | 2,105,000 | 3,034,000 | 3,934,000 |
| Interest expense | 591,000 | 1,090,000 | 1,536,000 | 1,913,000 |
| Net interest income | 533,000 | 1,015,000 | 1,498,000 | 2,021,000 |
| Noninterest income | 122,000 | 258,000 | 234,000 | 253,000 |
| Noninterest expense | 674,000 | 1,431,000 | 2,228,000 | 2,972,000 |
| Provision for loan losses | 34,000 | 354,000 | 584,000 | 1,454,000 |
| Pretax income | -53,000 | -512,000 | -1,093,000 | -2,169,000 |
| Income tax | 2,000 | 6,000 | 9,000 | 10,000 |
| Net income | -55,000 | -518,000 | -1,102,000 | -2,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,839,000 | 6,376,000 | 5,792,000 | 5,065,000 |
| Total capital | 7,432,000 | 7,061,000 | 6,429,000 | 5,779,000 |
| Risk-weighted assets | 65,515,000 | 62,959,000 | 59,360,000 | 56,529,000 |
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