Call reports 2004
IPAVA STATE BANK — 2004
What IPAVA STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 56,650,000 | 59,403,000 | 62,041,000 | 63,731,000 |
| Total loans | 42,243,000 | 44,764,000 | 46,756,000 | 46,278,000 |
| Allowance for loan losses | 303,000 | 335,000 | 365,000 | 400,000 |
| Securities available for sale | 1,814,000 | 1,795,000 | 1,807,000 | 1,798,000 |
| Securities held to maturity | 9,006,000 | 8,998,000 | 9,039,000 | 9,628,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,491,000 | 48,412,000 | 51,807,000 | 56,531,000 |
| Interest-bearing deposits | 45,752,000 | 45,453,000 | 47,679,000 | 52,240,000 |
| Noninterest-bearing deposits | 2,739,000 | 2,959,000 | 4,128,000 | 4,291,000 |
| Equity capital | 3,885,000 | 5,831,000 | 5,771,000 | 5,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 796,000 | 1,632,000 | 2,501,000 | 3,403,000 |
| Interest expense | 293,000 | 563,000 | 834,000 | 1,146,000 |
| Net interest income | 503,000 | 1,069,000 | 1,667,000 | 2,257,000 |
| Noninterest income | 140,000 | 297,000 | 474,000 | 630,000 |
| Noninterest expense | 336,000 | 702,000 | 1,145,000 | 1,710,000 |
| Provision for loan losses | 25,000 | 61,000 | 111,000 | 228,000 |
| Pretax income | 282,000 | 603,000 | 885,000 | 949,000 |
| Income tax | 93,000 | 200,000 | 292,000 | 341,000 |
| Net income | 189,000 | 403,000 | 593,000 | 608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,887,000 | 5,842,000 | 5,774,000 | 5,903,000 |
| Total capital | 4,190,000 | 6,177,000 | 6,139,000 | 6,303,000 |
| Risk-weighted assets | 41,191,000 | 43,804,000 | 45,994,000 | 45,881,000 |