Call reports 2009
INVESTMENT SAVINGS BANK — 2009
What INVESTMENT SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 122,423,000 | 121,628,000 | 125,262,000 | 126,744,000 |
| Total loans | 71,275,000 | 72,983,000 | 76,070,000 | 77,271,000 |
| Allowance for loan losses | 216,000 | 227,000 | 238,000 | 256,000 |
| Securities available for sale | 37,250,000 | 38,517,000 | 38,778,000 | 37,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,568,000 | 84,853,000 | 85,240,000 | 87,305,000 |
| Interest-bearing deposits | 79,582,000 | 80,936,000 | 82,041,000 | 83,266,000 |
| Noninterest-bearing deposits | 3,986,000 | 3,917,000 | 3,199,000 | 4,039,000 |
| Equity capital | 16,842,000 | 16,841,000 | 17,272,000 | 17,442,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,551,000 | 3,097,000 | 4,663,000 | 6,237,000 |
| Interest expense | 731,000 | 1,441,000 | 2,106,000 | 2,733,000 |
| Net interest income | 820,000 | 1,656,000 | 2,557,000 | 3,504,000 |
| Noninterest income | 126,000 | 230,000 | 350,000 | 489,000 |
| Noninterest expense | 710,000 | 1,560,000 | 2,330,000 | 3,130,000 |
| Provision for loan losses | 14,000 | 24,000 | 39,000 | 65,000 |
| Pretax income | 222,000 | 302,000 | 538,000 | 798,000 |
| Income tax | 51,000 | 56,000 | 110,000 | 222,000 |
| Net income | 171,000 | 246,000 | 428,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,279,000 | 16,354,000 | 16,537,000 | 16,684,000 |
| Total capital | 16,495,000 | 16,581,000 | 16,775,000 | 16,940,000 |
| Risk-weighted assets | 63,205,000 | 60,936,000 | 64,207,000 | 67,466,000 |