Call reports 2007
INDUSTRIAL STATE BANK — 2007
What INDUSTRIAL 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 | 142,195,000 | 142,309,000 | 143,127,000 | 143,231,000 |
| Total loans | 78,763,000 | 80,659,000 | 83,937,000 | 88,803,000 |
| Allowance for loan losses | 1,763,000 | 1,776,000 | 1,794,000 | 1,669,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 52,165,000 | 53,695,000 | 51,463,000 | 47,695,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,294,000 | 111,110,000 | 107,826,000 | 108,072,000 |
| Interest-bearing deposits | 87,759,000 | 87,160,000 | 85,996,000 | 85,321,000 |
| Noninterest-bearing deposits | 23,535,000 | 23,950,000 | 21,830,000 | 22,751,000 |
| Equity capital | 24,930,000 | 25,437,000 | 25,867,000 | 26,390,000 |
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 | 2,448,000 | 4,936,000 | 7,460,000 | 9,959,000 |
| Interest expense | 723,000 | 1,479,000 | 2,248,000 | 2,993,000 |
| Net interest income | 1,725,000 | 3,457,000 | 5,212,000 | 6,966,000 |
| Noninterest income | 266,000 | 668,000 | 2,751,000 | 2,998,000 |
| Noninterest expense | 956,000 | 1,821,000 | 2,746,000 | 3,573,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,035,000 | 2,304,000 | 5,217,000 | 6,391,000 |
| Income tax | 309,000 | 742,000 | 1,798,000 | 2,193,000 |
| Net income | 726,000 | 1,562,000 | 3,419,000 | 4,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,930,000 | 25,437,000 | 25,867,000 | 26,390,000 |
| Total capital | 26,282,000 | 26,813,000 | 27,295,000 | 27,835,000 |
| Risk-weighted assets | 107,767,000 | 109,717,000 | 113,902,000 | 115,351,000 |
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