Call reports 2008
INDUSTRIAL BANK — 2008
What INDUSTRIAL 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 | 337,199,000 | 338,295,000 | 365,302,000 | 363,881,000 |
| Total loans | 195,842,000 | 199,500,000 | 209,424,000 | 209,493,000 |
| Allowance for loan losses | 2,757,000 | 2,475,000 | 2,316,000 | 2,626,000 |
| Securities available for sale | 117,075,000 | 110,594,000 | 121,644,000 | 125,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,096,000 | 245,787,000 | 268,631,000 | 260,823,000 |
| Interest-bearing deposits | 164,092,000 | 164,487,000 | 197,968,000 | 190,693,000 |
| Noninterest-bearing deposits | 79,004,000 | 81,300,000 | 70,663,000 | 70,130,000 |
| Equity capital | 27,630,000 | 25,032,000 | 23,733,000 | 22,234,000 |
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 | 4,716,000 | 9,514,000 | 14,375,000 | 19,442,000 |
| Interest expense | 1,307,000 | 2,410,000 | 3,664,000 | 4,967,000 |
| Net interest income | 3,409,000 | 7,104,000 | 10,711,000 | 14,475,000 |
| Noninterest income | 1,184,000 | 2,314,000 | 3,509,000 | 4,355,000 |
| Noninterest expense | 4,011,000 | 8,323,000 | 12,407,000 | 16,445,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 485,000 |
| Pretax income | 628,000 | 1,097,000 | 1,936,000 | 2,256,000 |
| Income tax | 148,000 | 249,000 | 464,000 | 561,000 |
| Net income | 480,000 | 848,000 | 1,472,000 | 1,695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,803,000 | 26,943,000 | 27,580,000 | 27,517,000 |
| Total capital | 29,259,000 | 29,502,000 | 29,980,000 | 30,227,000 |
| Risk-weighted assets | 196,117,000 | 207,501,000 | 221,090,000 | 218,860,000 |
Machine access — free, no API key
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