Call reports 2007
INDUSTRIAL BANK — 2007
What INDUSTRIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 322,669,000 | 322,152,000 | 329,616,000 | 333,750,000 |
| Total loans | 164,552,000 | 166,650,000 | 170,484,000 | 189,053,000 |
| Allowance for loan losses | 3,038,000 | 3,116,000 | 3,158,000 | 2,894,000 |
| Securities available for sale | 125,037,000 | 129,507,000 | 132,231,000 | 117,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,914,000 | 263,426,000 | 244,594,000 | 245,720,000 |
| Interest-bearing deposits | 182,445,000 | 178,471,000 | 166,857,000 | 167,597,000 |
| Noninterest-bearing deposits | 82,469,000 | 84,955,000 | 77,737,000 | 78,123,000 |
| Equity capital | 27,259,000 | 26,306,000 | 27,160,000 | 27,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,810,000 | 9,780,000 | 14,558,000 | 19,367,000 |
| Interest expense | 1,398,000 | 2,842,000 | 4,364,000 | 5,892,000 |
| Net interest income | 3,412,000 | 6,938,000 | 10,194,000 | 13,475,000 |
| Noninterest income | 1,057,000 | 2,095,000 | 3,166,000 | 4,347,000 |
| Noninterest expense | 3,965,000 | 7,964,000 | 11,904,000 | 15,932,000 |
| Provision for loan losses | 70,000 | 117,000 | 117,000 | 0 |
| Pretax income | 390,000 | 908,000 | 1,212,000 | 1,952,000 |
| Income tax | 59,000 | 155,000 | 183,000 | 364,000 |
| Net income | 331,000 | 753,000 | 1,029,000 | 1,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,610,000 | 26,745,000 | 27,035,000 | 27,184,000 |
| Total capital | 28,891,000 | 28,994,000 | 29,443,000 | 29,719,000 |
| Risk-weighted assets | 181,675,000 | 178,984,000 | 191,816,000 | 201,809,000 |