Call reports 2009
INDEPENDENCE STATE BANK — 2009
What INDEPENDENCE STATE 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 | 58,545,000 | 60,639,000 | 60,283,000 | 61,302,000 |
| Total loans | 41,891,000 | 41,592,000 | 41,045,000 | 39,458,000 |
| Allowance for loan losses | 994,000 | 863,000 | 618,000 | 621,000 |
| Securities available for sale | 8,925,000 | 11,532,000 | 13,558,000 | 13,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,097,000 | 55,195,000 | 54,349,000 | 55,489,000 |
| Interest-bearing deposits | 46,959,000 | 50,447,000 | 49,802,000 | 50,162,000 |
| Noninterest-bearing deposits | 6,138,000 | 4,748,000 | 4,547,000 | 5,327,000 |
| Equity capital | 5,162,000 | 5,147,000 | 4,926,000 | 4,959,000 |
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 | 832,000 | 1,733,000 | 2,574,000 | 3,362,000 |
| Interest expense | 331,000 | 644,000 | 947,000 | 1,210,000 |
| Net interest income | 501,000 | 1,089,000 | 1,627,000 | 2,152,000 |
| Noninterest income | 111,000 | 367,000 | 275,000 | -5,000 |
| Noninterest expense | 610,000 | 1,262,000 | 1,893,000 | 2,632,000 |
| Provision for loan losses | 3,000 | 190,000 | 299,000 | 425,000 |
| Pretax income | 6,000 | 11,000 | -283,000 | -903,000 |
| Income tax | 0 | 0 | 0 | -154,000 |
| Net income | 6,000 | 11,000 | -283,000 | -749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,071,000 | 5,077,000 | 4,958,000 | 5,006,000 |
| Total capital | 5,776,000 | 5,755,000 | 5,576,000 | 5,627,000 |
| Risk-weighted assets | 56,128,000 | 54,089,000 | 51,103,000 | 49,662,000 |
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