Call reports 2011
INDUSTRIAL STATE BANK — 2011
What INDUSTRIAL STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 150,574,000 | 148,087,000 | 148,864,000 | 148,357,000 |
| Total loans | 102,160,000 | 95,087,000 | 94,605,000 | 94,414,000 |
| Allowance for loan losses | 1,478,000 | 1,368,000 | 1,370,000 | 1,376,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 29,879,000 | 32,605,000 | 28,543,000 | 29,834,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,336,000 | 111,335,000 | 111,473,000 | 110,571,000 |
| Interest-bearing deposits | 91,786,000 | 90,313,000 | 88,977,000 | 87,776,000 |
| Noninterest-bearing deposits | 22,550,000 | 21,022,000 | 22,496,000 | 22,795,000 |
| Equity capital | 30,924,000 | 31,324,000 | 31,848,000 | 32,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,765,000 | 3,528,000 | 5,306,000 | 6,969,000 |
| Interest expense | 319,000 | 629,000 | 922,000 | 1,195,000 |
| Net interest income | 1,446,000 | 2,899,000 | 4,384,000 | 5,774,000 |
| Noninterest income | 81,000 | 312,000 | 520,000 | 749,000 |
| Noninterest expense | 1,006,000 | 1,961,000 | 2,890,000 | 3,777,000 |
| Provision for loan losses | 0 | 40,000 | 40,000 | 40,000 |
| Pretax income | 521,000 | 1,100,000 | 1,864,000 | 2,596,000 |
| Income tax | 132,000 | 311,000 | 551,000 | 750,000 |
| Net income | 389,000 | 789,000 | 1,313,000 | 1,846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,924,000 | 31,324,000 | 31,848,000 | 32,381,000 |
| Total capital | 32,402,000 | 32,692,000 | 33,218,000 | 33,757,000 |
| Risk-weighted assets | 124,350,000 | 118,086,000 | 118,147,000 | 117,197,000 |