Call reports 2004
INVESTMENT SAVINGS BANK — 2004
What INVESTMENT SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 102,690,000 | 102,270,000 | 101,335,000 | 101,885,000 |
| Total loans | 62,569,000 | 62,108,000 | 61,450,000 | 61,291,000 |
| Allowance for loan losses | 194,000 | 186,000 | 188,000 | 190,000 |
| Securities available for sale | 30,239,000 | 29,836,000 | 30,355,000 | 29,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,920,000 | 73,762,000 | 72,083,000 | 72,977,000 |
| Interest-bearing deposits | 72,013,000 | 71,378,000 | 69,758,000 | 70,289,000 |
| Noninterest-bearing deposits | 2,907,000 | 2,384,000 | 2,325,000 | 2,688,000 |
| Equity capital | 14,362,000 | 14,019,000 | 14,351,000 | 14,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,296,000 | 2,590,000 | 3,851,000 | 5,149,000 |
| Interest expense | 524,000 | 1,040,000 | 1,568,000 | 2,084,000 |
| Net interest income | 772,000 | 1,550,000 | 2,283,000 | 3,065,000 |
| Noninterest income | 49,000 | 104,000 | 185,000 | 374,000 |
| Noninterest expense | 632,000 | 1,292,000 | 1,965,000 | 2,711,000 |
| Provision for loan losses | 9,000 | 27,000 | 34,000 | 48,000 |
| Pretax income | 180,000 | 335,000 | 469,000 | 680,000 |
| Income tax | 47,000 | 88,000 | 134,000 | 150,000 |
| Net income | 133,000 | 247,000 | 335,000 | 530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,156,000 | 14,270,000 | 14,358,000 | 14,551,000 |
| Total capital | 14,350,000 | 14,456,000 | 14,546,000 | 14,741,000 |
| Risk-weighted assets | 47,780,000 | 49,926,000 | 49,201,000 | 51,184,000 |