Call reports 2002
INVESTMENT SAVINGS BANK — 2002
What INVESTMENT SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 102,610,000 | 99,488,000 | 98,605,000 | 96,868,000 |
| Total loans | 68,838,000 | 68,596,000 | 67,656,000 | 64,097,000 |
| Allowance for loan losses | 195,000 | 194,000 | 184,000 | 190,000 |
| Securities available for sale | 16,655,000 | 19,501,000 | 18,819,000 | 19,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,177,000 | 74,615,000 | 74,633,000 | 72,700,000 |
| Interest-bearing deposits | 73,861,000 | 72,631,000 | 72,905,000 | 70,641,000 |
| Noninterest-bearing deposits | 2,316,000 | 1,984,000 | 1,728,000 | 2,059,000 |
| Equity capital | 13,438,000 | 13,455,000 | 13,616,000 | 13,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,549,000 | 3,090,000 | 4,617,000 | 6,026,000 |
| Interest expense | 898,000 | 1,742,000 | 2,548,000 | 3,252,000 |
| Net interest income | 651,000 | 1,348,000 | 2,069,000 | 2,774,000 |
| Noninterest income | 58,000 | 128,000 | 207,000 | 203,000 |
| Noninterest expense | 634,000 | 1,642,000 | 2,264,000 | 2,882,000 |
| Provision for loan losses | 3,000 | 7,000 | 12,000 | 23,000 |
| Pretax income | 72,000 | -173,000 | 0 | 74,000 |
| Income tax | 19,000 | -64,000 | -3,000 | 11,000 |
| Net income | 53,000 | -109,000 | 3,000 | 63,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,426,000 | 13,265,000 | 13,377,000 | 13,436,000 |
| Total capital | 13,621,000 | 13,459,000 | 13,561,000 | 13,626,000 |
| Risk-weighted assets | 57,028,000 | 47,812,000 | 47,290,000 | 46,111,000 |