Call reports 2005
INVESTMENT SAVINGS BANK — 2005
What INVESTMENT SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 102,891,000 | 102,473,000 | 101,224,000 | 101,167,000 |
| Total loans | 59,664,000 | 59,628,000 | 59,158,000 | 60,055,000 |
| Allowance for loan losses | 185,000 | 198,000 | 195,000 | 202,000 |
| Securities available for sale | 30,977,000 | 32,367,000 | 30,665,000 | 29,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,803,000 | 72,353,000 | 71,008,000 | 70,590,000 |
| Interest-bearing deposits | 70,416,000 | 69,204,000 | 67,780,000 | 67,171,000 |
| Noninterest-bearing deposits | 3,387,000 | 3,149,000 | 3,228,000 | 3,419,000 |
| Equity capital | 14,427,000 | 14,654,000 | 14,537,000 | 14,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,259,000 | 2,535,000 | 3,826,000 | 5,102,000 |
| Interest expense | 507,000 | 1,035,000 | 1,581,000 | 2,140,000 |
| Net interest income | 752,000 | 1,500,000 | 2,245,000 | 2,962,000 |
| Noninterest income | 116,000 | 220,000 | 315,000 | 434,000 |
| Noninterest expense | 701,000 | 1,415,000 | 2,086,000 | 2,813,000 |
| Provision for loan losses | 7,000 | 15,000 | 24,000 | 31,000 |
| Pretax income | 160,000 | 290,000 | 450,000 | 550,000 |
| Income tax | 34,000 | 61,000 | 95,000 | 72,000 |
| Net income | 126,000 | 229,000 | 355,000 | 478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,677,000 | 14,781,000 | 14,907,000 | 15,029,000 |
| Total capital | 14,862,000 | 14,979,000 | 15,102,000 | 15,231,000 |
| Risk-weighted assets | 51,968,000 | 50,224,000 | 48,758,000 | 48,152,000 |