Call reports 2006
INVESTMENT SAVINGS BANK — 2006
What INVESTMENT SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 102,923,000 | 102,629,000 | 110,563,000 | 112,957,000 |
| Total loans | 59,537,000 | 60,832,000 | 62,065,000 | 62,252,000 |
| Allowance for loan losses | 186,000 | 180,000 | 182,000 | 189,000 |
| Securities available for sale | 29,276,000 | 29,106,000 | 37,366,000 | 38,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,674,000 | 70,539,000 | 69,964,000 | 71,024,000 |
| Interest-bearing deposits | 68,030,000 | 67,226,000 | 66,998,000 | 67,887,000 |
| Noninterest-bearing deposits | 3,644,000 | 3,313,000 | 2,966,000 | 3,137,000 |
| Equity capital | 14,791,000 | 14,429,000 | 14,918,000 | 15,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,276,000 | 2,592,000 | 3,988,000 | 5,431,000 |
| Interest expense | 572,000 | 1,180,000 | 1,883,000 | 2,679,000 |
| Net interest income | 704,000 | 1,412,000 | 2,105,000 | 2,752,000 |
| Noninterest income | 136,000 | 260,000 | 369,000 | 508,000 |
| Noninterest expense | 696,000 | 1,451,000 | 2,159,000 | 2,839,000 |
| Provision for loan losses | 8,000 | 17,000 | 23,000 | 28,000 |
| Pretax income | 132,000 | 200,000 | 288,000 | 389,000 |
| Income tax | 26,000 | 35,000 | 47,000 | 43,000 |
| Net income | 106,000 | 165,000 | 241,000 | 346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,135,000 | 15,194,000 | 15,270,000 | 15,375,000 |
| Total capital | 15,321,000 | 15,374,000 | 15,452,000 | 15,564,000 |
| Risk-weighted assets | 50,286,000 | 52,396,000 | 53,058,000 | 55,128,000 |