Call reports 2008
INVESTMENT SAVINGS BANK — 2008
What INVESTMENT SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 122,486,000 | 122,638,000 | 122,304,000 | 121,584,000 |
| Total loans | 65,944,000 | 68,809,000 | 70,539,000 | 70,007,000 |
| Allowance for loan losses | 203,000 | 206,000 | 197,000 | 222,000 |
| Securities available for sale | 44,247,000 | 41,964,000 | 40,688,000 | 39,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,332,000 | 82,678,000 | 79,360,000 | 79,224,000 |
| Interest-bearing deposits | 78,880,000 | 79,478,000 | 76,414,000 | 76,042,000 |
| Noninterest-bearing deposits | 3,452,000 | 3,200,000 | 2,946,000 | 3,182,000 |
| Equity capital | 16,237,000 | 15,683,000 | 16,088,000 | 16,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,626,000 | 3,212,000 | 4,838,000 | 6,439,000 |
| Interest expense | 893,000 | 1,759,000 | 2,577,000 | 3,356,000 |
| Net interest income | 733,000 | 1,453,000 | 2,261,000 | 3,083,000 |
| Noninterest income | 110,000 | 236,000 | 380,000 | 501,000 |
| Noninterest expense | 717,000 | 1,470,000 | 2,208,000 | 2,952,000 |
| Provision for loan losses | 6,000 | 10,000 | 21,000 | 34,000 |
| Pretax income | 120,000 | 209,000 | 412,000 | 598,000 |
| Income tax | 23,000 | 34,000 | 80,000 | 99,000 |
| Net income | 97,000 | 175,000 | 332,000 | 499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,906,000 | 15,784,000 | 15,943,000 | 16,108,000 |
| Total capital | 16,109,000 | 15,990,000 | 16,140,000 | 16,330,000 |
| Risk-weighted assets | 56,569,000 | 60,867,000 | 61,341,000 | 59,048,000 |