Call reports 2005
INDUSTRIAL STATE BANK — 2005
What INDUSTRIAL STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 153,833,000 | 151,116,000 | 149,704,000 | 147,781,000 |
| Total loans | 103,018,000 | 103,010,000 | 98,353,000 | 93,511,000 |
| Allowance for loan losses | 1,970,000 | 1,990,000 | 1,758,000 | 1,795,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 39,249,000 | 38,934,000 | 36,387,000 | 39,452,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,146,000 | 121,135,000 | 119,243,000 | 116,778,000 |
| Interest-bearing deposits | 107,709,000 | 97,953,000 | 94,616,000 | 92,343,000 |
| Noninterest-bearing deposits | 21,437,000 | 23,182,000 | 24,627,000 | 24,435,000 |
| Equity capital | 23,830,000 | 24,342,000 | 24,836,000 | 25,273,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,095,000 | 4,288,000 | 6,531,000 | 8,841,000 |
| Interest expense | 466,000 | 999,000 | 1,579,000 | 2,195,000 |
| Net interest income | 1,629,000 | 3,289,000 | 4,952,000 | 6,646,000 |
| Noninterest income | 263,000 | 543,000 | 815,000 | 1,075,000 |
| Noninterest expense | 918,000 | 1,781,000 | 2,671,000 | 3,527,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 974,000 | 2,051,000 | 3,096,000 | 4,194,000 |
| Income tax | 280,000 | 634,000 | 973,000 | 1,334,000 |
| Net income | 694,000 | 1,417,000 | 2,123,000 | 2,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,830,000 | 24,342,000 | 24,836,000 | 25,273,000 |
| Total capital | 25,396,000 | 25,911,000 | 26,328,000 | 26,741,000 |
| Risk-weighted assets | 124,839,000 | 125,126,000 | 119,121,000 | 117,077,000 |
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