Call reports 2013
INVESTMENT SAVINGS BANK — 2013
What INVESTMENT SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 114,686,000 | 113,879,000 | 110,964,000 | 111,874,000 |
| Total loans | 62,678,000 | 63,298,000 | 61,646,000 | 60,327,000 |
| Allowance for loan losses | 232,000 | 235,000 | 242,000 | 245,000 |
| Securities available for sale | 36,299,000 | 35,916,000 | 37,369,000 | 39,700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,324,000 | 89,274,000 | 86,866,000 | 87,933,000 |
| Interest-bearing deposits | 85,729,000 | 84,762,000 | 82,786,000 | 83,616,000 |
| Noninterest-bearing deposits | 4,595,000 | 4,512,000 | 4,080,000 | 4,317,000 |
| Equity capital | 19,434,000 | 19,194,000 | 19,123,000 | 19,209,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,017,000 | 1,982,000 | 2,944,000 | 3,898,000 |
| Interest expense | 239,000 | 460,000 | 668,000 | 868,000 |
| Net interest income | 778,000 | 1,522,000 | 2,276,000 | 3,030,000 |
| Noninterest income | 148,000 | 293,000 | 518,000 | 625,000 |
| Noninterest expense | 733,000 | 1,481,000 | 2,266,000 | 3,007,000 |
| Provision for loan losses | 6,000 | 9,000 | 16,000 | 19,000 |
| Pretax income | 187,000 | 325,000 | 512,000 | 644,000 |
| Income tax | 43,000 | 65,000 | 124,000 | 129,000 |
| Net income | 144,000 | 260,000 | 388,000 | 515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,847,000 | 18,962,000 | 19,090,000 | 19,218,000 |
| Total capital | 19,079,000 | 19,197,000 | 19,332,000 | 19,463,000 |
| Risk-weighted assets | 54,187,000 | 57,700,000 | 55,077,000 | 54,793,000 |