Call reports 2007
INVESTMENT SAVINGS BANK — 2007
What INVESTMENT SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 114,974,000 | 115,690,000 | 116,509,000 | 117,299,000 |
| Total loans | 61,810,000 | 63,907,000 | 66,635,000 | 66,837,000 |
| Allowance for loan losses | 200,000 | 187,000 | 190,000 | 204,000 |
| Securities available for sale | 38,749,000 | 36,488,000 | 37,175,000 | 36,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,651,000 | 74,697,000 | 74,577,000 | 77,478,000 |
| Interest-bearing deposits | 69,890,000 | 70,842,000 | 71,347,000 | 74,107,000 |
| Noninterest-bearing deposits | 3,761,000 | 3,855,000 | 3,230,000 | 3,371,000 |
| Equity capital | 15,341,000 | 15,062,000 | 15,501,000 | 15,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,566,000 | 3,133,000 | 4,721,000 | 6,317,000 |
| Interest expense | 825,000 | 1,680,000 | 2,564,000 | 3,471,000 |
| Net interest income | 741,000 | 1,453,000 | 2,157,000 | 2,846,000 |
| Noninterest income | 112,000 | 252,000 | 389,000 | 504,000 |
| Noninterest expense | 699,000 | 1,397,000 | 2,140,000 | 2,806,000 |
| Provision for loan losses | 9,000 | 18,000 | 22,000 | 29,000 |
| Pretax income | 145,000 | 290,000 | 384,000 | 515,000 |
| Income tax | 30,000 | 60,000 | 76,000 | 81,000 |
| Net income | 115,000 | 230,000 | 308,000 | 434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,491,000 | 15,606,000 | 15,683,000 | 15,809,000 |
| Total capital | 15,691,000 | 15,793,000 | 15,873,000 | 16,013,000 |
| Risk-weighted assets | 53,220,000 | 55,401,000 | 57,269,000 | 61,919,000 |