Call reports 2002
INDUSTRIAL BANK — 2002
What INDUSTRIAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 302,230,000 | 306,941,000 | 300,656,000 | 295,266,000 |
| Total loans | 134,917,000 | 136,204,000 | 136,738,000 | 137,918,000 |
| Allowance for loan losses | 3,264,000 | 3,277,000 | 3,068,000 | 2,975,000 |
| Securities available for sale | 127,700,000 | 137,739,000 | 141,831,000 | 135,989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,902,000 | 235,924,000 | 235,387,000 | 237,238,000 |
| Interest-bearing deposits | 155,372,000 | 169,100,000 | 168,912,000 | 168,754,000 |
| Noninterest-bearing deposits | 68,530,000 | 66,824,000 | 66,475,000 | 68,484,000 |
| Equity capital | 22,883,000 | 24,908,000 | 26,369,000 | 26,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,709,000 | 9,399,000 | 13,986,000 | 18,446,000 |
| Interest expense | 1,113,000 | 2,151,000 | 3,164,000 | 4,120,000 |
| Net interest income | 3,596,000 | 7,248,000 | 10,822,000 | 14,326,000 |
| Noninterest income | 1,024,000 | 2,067,000 | 3,093,000 | 4,035,000 |
| Noninterest expense | 3,960,000 | 8,087,000 | 12,163,000 | 16,503,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 745,000 | 1,508,000 | 2,184,000 | 2,370,000 |
| Income tax | 168,000 | 316,000 | 397,000 | 325,000 |
| Net income | 577,000 | 1,192,000 | 1,787,000 | 2,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,926,000 | 21,344,000 | 21,704,000 | 21,976,000 |
| Total capital | 22,898,000 | 23,253,000 | 23,609,000 | 23,884,000 |
| Risk-weighted assets | 156,382,000 | 151,270,000 | 151,122,000 | 151,476,000 |
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