Call reports 2015
INVESTMENT SAVINGS BANK — 2015
What INVESTMENT SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 113,049,000 | 113,051,000 | 111,007,000 | 110,178,000 |
| Total loans | 55,088,000 | 54,561,000 | 53,684,000 | 53,578,000 |
| Allowance for loan losses | 252,000 | 255,000 | 255,000 | 256,000 |
| Securities available for sale | 47,268,000 | 47,630,000 | 46,678,000 | 46,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,250,000 | 84,765,000 | 81,799,000 | 81,938,000 |
| Interest-bearing deposits | 79,753,000 | 79,236,000 | 76,577,000 | 76,610,000 |
| Noninterest-bearing deposits | 5,497,000 | 5,529,000 | 5,222,000 | 5,328,000 |
| Equity capital | 20,249,000 | 20,122,000 | 20,326,000 | 20,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 892,000 | 1,756,000 | 2,606,000 | 3,449,000 |
| Interest expense | 152,000 | 298,000 | 438,000 | 575,000 |
| Net interest income | 740,000 | 1,458,000 | 2,168,000 | 2,874,000 |
| Noninterest income | 78,000 | 161,000 | 240,000 | 329,000 |
| Noninterest expense | 666,000 | 1,326,000 | 1,984,000 | 2,645,000 |
| Provision for loan losses | 3,000 | 6,000 | 6,000 | 7,000 |
| Pretax income | 151,000 | 297,000 | 428,000 | 561,000 |
| Income tax | 29,000 | 54,000 | 73,000 | 92,000 |
| Net income | 122,000 | 243,000 | 355,000 | 469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,828,000 | 19,949,000 | 20,060,000 | 20,175,000 |
| Total capital | 20,080,000 | 20,204,000 | 20,315,000 | 20,431,000 |
| Risk-weighted assets | 50,823,000 | 52,869,000 | 52,292,000 | 52,523,000 |