Call reports 2004
INDUSTRIAL BANK — 2004
What INDUSTRIAL 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 | 313,678,000 | 316,681,000 | 316,157,000 | 332,966,000 |
| Total loans | 164,376,000 | 161,774,000 | 163,018,000 | 159,590,000 |
| Allowance for loan losses | 2,896,000 | 2,827,000 | 2,814,000 | 2,621,000 |
| Securities available for sale | 114,687,000 | 112,779,000 | 122,393,000 | 132,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,634,000 | 256,770,000 | 257,148,000 | 274,385,000 |
| Interest-bearing deposits | 180,648,000 | 184,213,000 | 184,076,000 | 182,238,000 |
| Noninterest-bearing deposits | 70,986,000 | 72,557,000 | 73,072,000 | 92,147,000 |
| Equity capital | 26,885,000 | 24,234,000 | 25,412,000 | 25,599,000 |
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 | 4,076,000 | 8,113,000 | 12,468,000 | 16,823,000 |
| Interest expense | 576,000 | 1,135,000 | 1,754,000 | 2,464,000 |
| Net interest income | 3,500,000 | 6,978,000 | 10,714,000 | 14,359,000 |
| Noninterest income | 1,018,000 | 2,023,000 | 2,970,000 | 3,990,000 |
| Noninterest expense | 4,164,000 | 8,204,000 | 12,317,000 | 16,610,000 |
| Provision for loan losses | 0 | 0 | 0 | 175,000 |
| Pretax income | 567,000 | 1,088,000 | 1,897,000 | 2,250,000 |
| Income tax | 66,000 | 134,000 | 303,000 | 336,000 |
| Net income | 501,000 | 954,000 | 1,594,000 | 1,914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,727,000 | 23,697,000 | 24,001,000 | 24,238,000 |
| Total capital | 25,766,000 | 25,914,000 | 26,198,000 | 26,422,000 |
| Risk-weighted assets | 162,180,000 | 176,640,000 | 175,045,000 | 174,228,000 |