Call reports 2008
IPAVA STATE BANK — 2008
What IPAVA 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 | 77,201,000 | 78,203,000 | 76,642,000 | 77,636,000 |
| Total loans | 52,830,000 | 53,894,000 | 56,115,000 | 55,962,000 |
| Allowance for loan losses | 555,000 | 555,000 | 554,000 | 556,000 |
| Securities available for sale | 2,179,000 | 2,105,000 | 2,237,000 | 1,544,000 |
| Securities held to maturity | 10,463,000 | 10,458,000 | 11,549,000 | 11,824,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,724,000 | 70,744,000 | 68,914,000 | 70,014,000 |
| Interest-bearing deposits | 61,987,000 | 6,600,000 | 62,501,000 | 63,046,000 |
| Noninterest-bearing deposits | 7,737,000 | 64,144,000 | 6,413,000 | 6,968,000 |
| Equity capital | 7,110,000 | 7,095,000 | 7,168,000 | 7,273,000 |
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 | 1,274,000 | 2,478,000 | 3,685,000 | 4,901,000 |
| Interest expense | 597,000 | 1,129,000 | 1,627,000 | 2,079,000 |
| Net interest income | 677,000 | 1,349,000 | 2,058,000 | 2,822,000 |
| Noninterest income | 201,000 | 438,000 | 619,000 | 788,000 |
| Noninterest expense | 642,000 | 1,303,000 | 1,924,000 | 2,593,000 |
| Provision for loan losses | 15,000 | 81,000 | 184,000 | 265,000 |
| Pretax income | 221,000 | 403,000 | 569,000 | 752,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 221,000 | 403,000 | 569,000 | 752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,001,000 | 7,059,000 | 7,100,000 | 6,888,000 |
| Total capital | 7,556,000 | 7,614,000 | 7,654,000 | 7,444,000 |
| Risk-weighted assets | 57,776,000 | 62,325,000 | 63,879,000 | 63,600,000 |