Call reports 2006
INDUSTRIAL STATE BANK — 2006
What INDUSTRIAL STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 147,599,000 | 145,822,000 | 144,938,000 | 142,208,000 |
| Total loans | 88,354,000 | 76,775,000 | 77,702,000 | 79,550,000 |
| Allowance for loan losses | 1,802,000 | 1,701,000 | 1,725,000 | 1,747,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 44,219,000 | 50,243,000 | 54,298,000 | 52,709,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,972,000 | 113,566,000 | 112,308,000 | 109,096,000 |
| Interest-bearing deposits | 91,243,000 | 88,719,000 | 87,445,000 | 84,928,000 |
| Noninterest-bearing deposits | 24,729,000 | 24,847,000 | 24,863,000 | 24,168,000 |
| Equity capital | 25,855,000 | 26,460,000 | 26,960,000 | 24,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,286,000 | 4,685,000 | 7,138,000 | 9,647,000 |
| Interest expense | 619,000 | 1,285,000 | 1,984,000 | 2,684,000 |
| Net interest income | 1,667,000 | 3,400,000 | 5,154,000 | 6,963,000 |
| Noninterest income | 248,000 | 828,000 | 1,104,000 | 1,344,000 |
| Noninterest expense | 931,000 | 1,819,000 | 2,702,000 | 3,566,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 984,000 | 2,409,000 | 3,556,000 | 4,741,000 |
| Income tax | 262,000 | 752,000 | 1,130,000 | 1,525,000 |
| Net income | 722,000 | 1,657,000 | 2,426,000 | 3,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,855,000 | 26,460,000 | 26,960,000 | 24,379,000 |
| Total capital | 27,288,000 | 27,780,000 | 28,326,000 | 25,756,000 |
| Risk-weighted assets | 114,270,000 | 105,186,000 | 108,945,000 | 109,768,000 |
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