Call reports 2019
INVESTMENT SAVINGS BANK — 2019
What INVESTMENT SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 103,949,000 | 103,591,000 | 101,502,000 | 101,664,000 |
| Total loans | 49,052,000 | 48,969,000 | 48,395,000 | 48,557,000 |
| Allowance for loan losses | 312,000 | 318,000 | 322,000 | 326,000 |
| Securities available for sale | 41,071,000 | 42,752,000 | 41,045,000 | 41,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,897,000 | 76,296,000 | 75,076,000 | 76,126,000 |
| Interest-bearing deposits | 68,408,000 | 68,660,000 | 67,560,000 | 69,221,000 |
| Noninterest-bearing deposits | 8,489,000 | 7,636,000 | 7,516,000 | 6,905,000 |
| Equity capital | 21,510,000 | 21,934,000 | 22,090,000 | 22,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 866,000 | 1,739,000 | 2,588,000 | 3,408,000 |
| Interest expense | 171,000 | 362,000 | 557,000 | 740,000 |
| Net interest income | 695,000 | 1,377,000 | 2,031,000 | 2,668,000 |
| Noninterest income | 42,000 | 84,000 | 127,000 | 223,000 |
| Noninterest expense | 611,000 | 1,220,000 | 1,850,000 | 2,470,000 |
| Provision for loan losses | 5,000 | 11,000 | 15,000 | 19,000 |
| Pretax income | 121,000 | 230,000 | 293,000 | 402,000 |
| Income tax | 13,000 | 29,000 | 36,000 | 56,000 |
| Net income | 108,000 | 201,000 | 257,000 | 346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,635,000 | 21,728,000 | 21,787,000 | 21,873,000 |
| Total capital | 21,947,000 | 22,046,000 | 22,109,000 | 22,199,000 |
| Risk-weighted assets | 56,826,000 | 55,900,000 | 50,440,000 | 53,400,000 |