Call reports 2001
INVESTMENT SAVINGS BANK — 2001
What INVESTMENT SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 94,645,000 | 97,140,000 | 97,886,000 | 99,975,000 |
| Total loans | 69,079,000 | 69,128,000 | 70,640,000 | 70,441,000 |
| Allowance for loan losses | 194,000 | 195,000 | 198,000 | 204,000 |
| Securities available for sale | 15,546,000 | 14,280,000 | 12,610,000 | 10,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,590,000 | 70,132,000 | 71,513,000 | 74,086,000 |
| Interest-bearing deposits | 65,571,000 | 68,120,000 | 69,934,000 | 72,063,000 |
| Noninterest-bearing deposits | 2,019,000 | 2,012,000 | 1,579,000 | 2,023,000 |
| Equity capital | 13,108,000 | 13,137,000 | 13,351,000 | 13,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,725,000 | 3,453,000 | 5,153,000 | 6,816,000 |
| Interest expense | 1,010,000 | 2,036,000 | 3,023,000 | 3,976,000 |
| Net interest income | 715,000 | 1,417,000 | 2,130,000 | 2,840,000 |
| Noninterest income | 48,000 | 106,000 | 170,000 | 274,000 |
| Noninterest expense | 613,000 | 1,244,000 | 1,789,000 | 2,376,000 |
| Provision for loan losses | 5,000 | 9,000 | 16,000 | 31,000 |
| Pretax income | 145,000 | 270,000 | 495,000 | 707,000 |
| Income tax | 49,000 | 90,000 | 172,000 | 210,000 |
| Net income | 96,000 | 180,000 | 323,000 | 497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,973,000 | 13,057,000 | 13,197,000 | 13,373,000 |
| Total capital | 13,167,000 | 13,252,000 | 13,395,000 | 13,577,000 |
| Risk-weighted assets | 45,067,000 | 45,850,000 | 47,088,000 | 48,980,000 |