Call reports 2009
INDUSTRIAL STATE BANK — 2009
What INDUSTRIAL 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 | 154,135,000 | 149,809,000 | 150,381,000 | 155,175,000 |
| Total loans | 102,728,000 | 99,952,000 | 97,890,000 | 99,776,000 |
| Allowance for loan losses | 1,927,000 | 1,670,000 | 1,483,000 | 1,634,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 36,640,000 | 31,976,000 | 36,250,000 | 39,447,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,177,000 | 115,836,000 | 116,124,000 | 120,437,000 |
| Interest-bearing deposits | 90,537,000 | 87,551,000 | 87,553,000 | 90,996,000 |
| Noninterest-bearing deposits | 29,640,000 | 28,285,000 | 28,571,000 | 29,441,000 |
| Equity capital | 28,296,000 | 28,438,000 | 28,442,000 | 28,884,000 |
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 | 1,945,000 | 3,913,000 | 5,805,000 | 7,719,000 |
| Interest expense | 484,000 | 942,000 | 1,376,000 | 1,806,000 |
| Net interest income | 1,461,000 | 2,971,000 | 4,429,000 | 5,913,000 |
| Noninterest income | 250,000 | 512,000 | 781,000 | 1,089,000 |
| Noninterest expense | 1,112,000 | 2,132,000 | 3,247,000 | 4,247,000 |
| Provision for loan losses | 150,000 | 450,000 | 600,000 | 750,000 |
| Pretax income | 449,000 | 901,000 | 1,363,000 | 2,005,000 |
| Income tax | 85,000 | 216,000 | 344,000 | 544,000 |
| Net income | 364,000 | 685,000 | 1,019,000 | 1,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,296,000 | 28,438,000 | 28,442,000 | 28,884,000 |
| Total capital | 29,895,000 | 30,007,000 | 29,925,000 | 30,468,000 |
| Risk-weighted assets | 127,558,000 | 125,420,000 | 123,986,000 | 126,637,000 |
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