Call reports 2014
INVESTMENT SAVINGS BANK — 2014
What INVESTMENT SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 115,955,000 | 117,613,000 | 115,647,000 | 113,409,000 |
| Total loans | 57,562,000 | 57,937,000 | 56,906,000 | 56,342,000 |
| Allowance for loan losses | 247,000 | 243,000 | 246,000 | 249,000 |
| Securities available for sale | 44,729,000 | 47,686,000 | 47,248,000 | 46,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,872,000 | 87,500,000 | 88,404,000 | 84,785,000 |
| Interest-bearing deposits | 85,981,000 | 82,846,000 | 81,930,000 | 79,975,000 |
| Noninterest-bearing deposits | 5,891,000 | 4,654,000 | 6,474,000 | 4,810,000 |
| Equity capital | 19,490,000 | 19,701,000 | 19,830,000 | 20,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 917,000 | 1,840,000 | 2,755,000 | 3,667,000 |
| Interest expense | 190,000 | 371,000 | 546,000 | 709,000 |
| Net interest income | 727,000 | 1,469,000 | 2,209,000 | 2,958,000 |
| Noninterest income | 89,000 | 173,000 | 261,000 | 344,000 |
| Noninterest expense | 702,000 | 1,366,000 | 2,044,000 | 2,706,000 |
| Provision for loan losses | 2,000 | 5,000 | 8,000 | 11,000 |
| Pretax income | 117,000 | 276,000 | 423,000 | 595,000 |
| Income tax | 16,000 | 46,000 | 65,000 | 106,000 |
| Net income | 101,000 | 230,000 | 358,000 | 489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,318,000 | 19,447,000 | 19,576,000 | 19,707,000 |
| Total capital | 19,565,000 | 19,690,000 | 19,822,000 | 19,956,000 |
| Risk-weighted assets | 55,839,000 | 57,255,000 | 55,202,000 | 55,438,000 |