Call reports 2016
INVESTMENT SAVINGS BANK — 2016
What INVESTMENT SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 109,767,000 | 109,503,000 | 107,926,000 | 107,197,000 |
| Total loans | 53,418,000 | 53,476,000 | 53,207,000 | 52,921,000 |
| Allowance for loan losses | 261,000 | 273,000 | 293,000 | 297,000 |
| Securities available for sale | 45,082,000 | 45,779,000 | 44,217,000 | 42,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,536,000 | 81,043,000 | 80,090,000 | 81,783,000 |
| Interest-bearing deposits | 77,824,000 | 75,513,000 | 74,913,000 | 75,711,000 |
| Noninterest-bearing deposits | 5,712,000 | 5,530,000 | 5,177,000 | 6,072,000 |
| Equity capital | 20,584,000 | 20,808,000 | 20,908,000 | 20,445,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 847,000 | 1,674,000 | 2,530,000 | 3,325,000 |
| Interest expense | 128,000 | 253,000 | 379,000 | 493,000 |
| Net interest income | 719,000 | 1,421,000 | 2,151,000 | 2,832,000 |
| Noninterest income | 87,000 | 169,000 | 249,000 | 345,000 |
| Noninterest expense | 656,000 | 1,277,000 | 1,928,000 | 2,554,000 |
| Provision for loan losses | 5,000 | 17,000 | 37,000 | 43,000 |
| Pretax income | 150,000 | 301,000 | 445,000 | 590,000 |
| Income tax | 25,000 | 53,000 | 77,000 | 99,000 |
| Net income | 125,000 | 248,000 | 368,000 | 491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,300,000 | 20,424,000 | 20,543,000 | 20,666,000 |
| Total capital | 20,561,000 | 20,697,000 | 20,836,000 | 20,963,000 |
| Risk-weighted assets | 53,424,000 | 52,668,000 | 52,651,000 | 50,594,000 |