Call reports 2012
INVESTMENT SAVINGS BANK — 2012
What INVESTMENT SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 121,287,000 | 120,530,000 | 116,018,000 | 116,117,000 |
| Total loans | 69,708,000 | 67,322,000 | 65,877,000 | 65,399,000 |
| Allowance for loan losses | 218,000 | 220,000 | 220,000 | 223,000 |
| Securities available for sale | 36,343,000 | 36,646,000 | 36,506,000 | 35,022,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,515,000 | 91,239,000 | 90,193,000 | 90,301,000 |
| Interest-bearing deposits | 88,041,000 | 86,835,000 | 86,179,000 | 85,874,000 |
| Noninterest-bearing deposits | 4,474,000 | 4,404,000 | 4,014,000 | 4,427,000 |
| Equity capital | 18,972,000 | 19,089,000 | 19,310,000 | 19,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,214,000 | 2,366,000 | 3,467,000 | 4,532,000 |
| Interest expense | 352,000 | 689,000 | 985,000 | 1,249,000 |
| Net interest income | 862,000 | 1,677,000 | 2,482,000 | 3,283,000 |
| Noninterest income | 128,000 | 266,000 | 411,000 | 558,000 |
| Noninterest expense | 784,000 | 1,564,000 | 2,271,000 | 2,870,000 |
| Provision for loan losses | 11,000 | 18,000 | 26,000 | 34,000 |
| Pretax income | 195,000 | 390,000 | 625,000 | 966,000 |
| Income tax | 60,000 | 120,000 | 192,000 | 287,000 |
| Net income | 135,000 | 270,000 | 433,000 | 679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,159,000 | 18,294,000 | 18,457,000 | 18,703,000 |
| Total capital | 18,377,000 | 18,514,000 | 18,677,000 | 18,926,000 |
| Risk-weighted assets | 64,220,000 | 65,916,000 | 55,981,000 | 55,780,000 |