Call reports 2005
INDUSTRIAL BANK — 2005
What INDUSTRIAL 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 | 332,856,000 | 338,733,000 | 331,139,000 | 333,047,000 |
| Total loans | 160,647,000 | 165,352,000 | 170,370,000 | 167,550,000 |
| Allowance for loan losses | 2,867,000 | 2,921,000 | 2,832,000 | 2,799,000 |
| Securities available for sale | 143,090,000 | 128,759,000 | 132,328,000 | 135,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,763,000 | 282,889,000 | 276,188,000 | 274,059,000 |
| Interest-bearing deposits | 187,043,000 | 196,464,000 | 187,456,000 | 184,908,000 |
| Noninterest-bearing deposits | 85,720,000 | 86,425,000 | 88,732,000 | 89,151,000 |
| Equity capital | 24,621,000 | 25,153,000 | 25,309,000 | 25,458,000 |
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 | 4,241,000 | 8,703,000 | 13,075,000 | 17,638,000 |
| Interest expense | 802,000 | 1,709,000 | 2,714,000 | 3,853,000 |
| Net interest income | 3,439,000 | 6,994,000 | 10,361,000 | 13,785,000 |
| Noninterest income | 855,000 | 1,732,000 | 2,727,000 | 3,642,000 |
| Noninterest expense | 3,964,000 | 8,022,000 | 12,069,000 | 15,933,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 330,000 | 692,000 | 1,004,000 | 1,274,000 |
| Income tax | 34,000 | 47,000 | 46,000 | -726,000 |
| Net income | 296,000 | 645,000 | 958,000 | 2,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,481,000 | 24,512,000 | 24,797,000 | 25,616,000 |
| Total capital | 26,679,000 | 26,760,000 | 27,145,000 | 27,830,000 |
| Risk-weighted assets | 175,422,000 | 179,077,000 | 187,303,000 | 176,455,000 |