Call reports 2003
INVESTMENT SAVINGS BANK — 2003
What INVESTMENT SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 96,975,000 | 97,820,000 | 101,090,000 | 100,901,000 |
| Total loans | 61,622,000 | 61,468,000 | 61,857,000 | 63,548,000 |
| Allowance for loan losses | 192,000 | 201,000 | 188,000 | 193,000 |
| Securities available for sale | 20,853,000 | 26,261,000 | 27,930,000 | 30,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,688,000 | 73,236,000 | 73,579,000 | 73,910,000 |
| Interest-bearing deposits | 69,928,000 | 70,585,000 | 71,192,000 | 71,618,000 |
| Noninterest-bearing deposits | 2,760,000 | 2,651,000 | 2,387,000 | 2,292,000 |
| Equity capital | 13,812,000 | 13,980,000 | 13,974,000 | 14,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,360,000 | 2,670,000 | 3,952,000 | 5,247,000 |
| Interest expense | 635,000 | 1,222,000 | 1,779,000 | 2,323,000 |
| Net interest income | 725,000 | 1,448,000 | 2,173,000 | 2,924,000 |
| Noninterest income | 46,000 | 122,000 | 182,000 | 223,000 |
| Noninterest expense | 613,000 | 1,206,000 | 1,802,000 | 2,389,000 |
| Provision for loan losses | 8,000 | 17,000 | 26,000 | 33,000 |
| Pretax income | 150,000 | 347,000 | 527,000 | 725,000 |
| Income tax | 62,000 | 99,000 | 151,000 | 138,000 |
| Net income | 88,000 | 248,000 | 376,000 | 587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,523,000 | 13,684,000 | 13,812,000 | 14,023,000 |
| Total capital | 13,715,000 | 13,885,000 | 14,000,000 | 14,216,000 |
| Risk-weighted assets | 44,812,000 | 43,592,000 | 44,073,000 | 44,169,000 |