Call reports 2005
IPAVA STATE BANK — 2005
What IPAVA STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 64,961,000 | 68,063,000 | 69,796,000 | 69,043,000 |
| Total loans | 48,435,000 | 51,187,000 | 51,953,000 | 51,187,000 |
| Allowance for loan losses | 433,000 | 459,000 | 480,000 | 482,000 |
| Securities available for sale | 1,816,000 | 1,831,000 | 1,822,000 | 1,812,000 |
| Securities held to maturity | 9,660,000 | 9,902,000 | 9,896,000 | 9,677,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,846,000 | 58,266,000 | 57,735,000 | 59,518,000 |
| Interest-bearing deposits | 53,557,000 | 54,132,000 | 53,717,000 | 53,778,000 |
| Noninterest-bearing deposits | 4,289,000 | 4,134,000 | 4,018,000 | 5,740,000 |
| Equity capital | 5,882,000 | 6,045,000 | 6,142,000 | 6,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 922,000 | 1,916,000 | 2,961,000 | 4,024,000 |
| Interest expense | 305,000 | 638,000 | 1,029,000 | 1,454,000 |
| Net interest income | 617,000 | 1,278,000 | 1,932,000 | 2,570,000 |
| Noninterest income | 148,000 | 297,000 | 445,000 | 562,000 |
| Noninterest expense | 479,000 | 951,000 | 1,441,000 | 2,041,000 |
| Provision for loan losses | 32,000 | 94,000 | 152,000 | 211,000 |
| Pretax income | 254,000 | 530,000 | 784,000 | 880,000 |
| Income tax | 82,000 | 171,000 | 253,000 | 327,000 |
| Net income | 172,000 | 359,000 | 531,000 | 553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,908,000 | 6,062,000 | 6,164,000 | 6,194,000 |
| Total capital | 6,341,000 | 6,521,000 | 6,644,000 | 6,676,000 |
| Risk-weighted assets | 47,543,000 | 50,386,000 | 51,764,000 | 56,063,000 |