Call reports 2008
INDUSTRIAL STATE BANK — 2008
What INDUSTRIAL 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 | 144,572,000 | 149,153,000 | 150,101,000 | 151,095,000 |
| Total loans | 89,440,000 | 99,590,000 | 101,030,000 | 101,299,000 |
| Allowance for loan losses | 1,675,000 | 1,677,000 | 1,619,000 | 1,775,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 45,890,000 | 42,599,000 | 42,591,000 | 39,290,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,659,000 | 109,868,000 | 113,553,000 | 114,415,000 |
| Interest-bearing deposits | 87,619,000 | 87,251,000 | 89,663,000 | 87,655,000 |
| Noninterest-bearing deposits | 24,040,000 | 22,617,000 | 23,890,000 | 26,760,000 |
| Equity capital | 26,943,000 | 27,431,000 | 27,763,000 | 28,053,000 |
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 | 2,413,000 | 4,708,000 | 6,849,000 | 9,009,000 |
| Interest expense | 664,000 | 1,254,000 | 1,826,000 | 2,378,000 |
| Net interest income | 1,749,000 | 3,454,000 | 5,023,000 | 6,631,000 |
| Noninterest income | 235,000 | 636,000 | 906,000 | 1,194,000 |
| Noninterest expense | 929,000 | 1,871,000 | 2,806,000 | 3,737,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 1,055,000 | 2,219,000 | 3,123,000 | 3,938,000 |
| Income tax | 321,000 | 713,000 | 1,007,000 | 1,270,000 |
| Net income | 734,000 | 1,506,000 | 2,116,000 | 2,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,943,000 | 27,431,000 | 27,763,000 | 28,053,000 |
| Total capital | 28,384,000 | 28,994,000 | 29,331,000 | 29,644,000 |
| Risk-weighted assets | 115,028,000 | 124,953,000 | 125,405,000 | 127,078,000 |
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