Call reports 2010
INVESTMENT SAVINGS BANK — 2010
What INVESTMENT SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 124,281,000 | 124,201,000 | 124,195,000 | 122,870,000 |
| Total loans | 76,331,000 | 77,904,000 | 77,047,000 | 76,898,000 |
| Allowance for loan losses | 270,000 | 287,000 | 293,000 | 284,000 |
| Securities available for sale | 36,967,000 | 34,469,000 | 33,951,000 | 31,840,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,834,000 | 88,718,000 | 90,016,000 | 91,167,000 |
| Interest-bearing deposits | 84,633,000 | 84,741,000 | 86,434,000 | 87,521,000 |
| Noninterest-bearing deposits | 4,201,000 | 3,977,000 | 3,582,000 | 3,646,000 |
| Equity capital | 17,650,000 | 18,017,000 | 18,172,000 | 18,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,540,000 | 3,003,000 | 4,413,000 | 5,855,000 |
| Interest expense | 576,000 | 1,129,000 | 1,655,000 | 2,149,000 |
| Net interest income | 964,000 | 1,874,000 | 2,758,000 | 3,706,000 |
| Noninterest income | 116,000 | 250,000 | 385,000 | 524,000 |
| Noninterest expense | 733,000 | 1,530,000 | 2,292,000 | 3,103,000 |
| Provision for loan losses | 24,000 | 40,000 | 62,000 | 78,000 |
| Pretax income | 323,000 | 554,000 | 789,000 | 1,049,000 |
| Income tax | 110,000 | 172,000 | 263,000 | 349,000 |
| Net income | 213,000 | 382,000 | 526,000 | 700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,897,000 | 17,066,000 | 17,211,000 | 17,386,000 |
| Total capital | 17,167,000 | 17,353,000 | 17,504,000 | 17,670,000 |
| Risk-weighted assets | 65,424,000 | 64,158,000 | 66,071,000 | 64,485,000 |