Call reports 2011
INVESTMENT SAVINGS BANK — 2011
What INVESTMENT SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 123,449,000 | 122,633,000 | 123,253,000 | 120,477,000 |
| Total loans | 74,812,000 | 73,853,000 | 73,619,000 | 71,218,000 |
| Allowance for loan losses | 271,000 | 266,000 | 195,000 | 231,000 |
| Securities available for sale | 34,517,000 | 34,145,000 | 35,754,000 | 34,407,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,700,000 | 91,984,000 | 90,627,000 | 90,983,000 |
| Interest-bearing deposits | 88,711,000 | 88,132,000 | 87,042,000 | 86,785,000 |
| Noninterest-bearing deposits | 3,989,000 | 3,852,000 | 3,585,000 | 4,198,000 |
| Equity capital | 18,180,000 | 18,502,000 | 18,848,000 | 18,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,366,000 | 2,686,000 | 4,001,000 | 5,258,000 |
| Interest expense | 477,000 | 919,000 | 1,329,000 | 1,705,000 |
| Net interest income | 889,000 | 1,767,000 | 2,672,000 | 3,553,000 |
| Noninterest income | 130,000 | 263,000 | 414,000 | 597,000 |
| Noninterest expense | 811,000 | 1,614,000 | 2,399,000 | 3,185,000 |
| Provision for loan losses | 15,000 | 38,000 | 74,000 | 134,000 |
| Pretax income | 240,000 | 425,000 | 660,000 | 878,000 |
| Income tax | 69,000 | 111,000 | 175,000 | 239,000 |
| Net income | 171,000 | 314,000 | 485,000 | 639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,556,000 | 17,700,000 | 17,871,000 | 18,024,000 |
| Total capital | 17,827,000 | 17,966,000 | 18,066,000 | 18,255,000 |
| Risk-weighted assets | 65,262,000 | 62,621,000 | 61,202,000 | 61,701,000 |