Call reports 2020
INVESTMENT SAVINGS BANK — 2020
What INVESTMENT SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 101,876,000 | 106,002,000 | 106,812,000 | 107,324,000 |
| Total loans | 48,042,000 | 47,947,000 | 47,111,000 | 46,347,000 |
| Allowance for loan losses | 328,000 | 330,000 | 335,000 | 372,000 |
| Securities available for sale | 40,402,000 | 40,762,000 | 42,120,000 | 44,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,520,000 | 79,725,000 | 81,166,000 | 82,407,000 |
| Interest-bearing deposits | 69,528,000 | 72,288,000 | 73,513,000 | 74,044,000 |
| Noninterest-bearing deposits | 6,992,000 | 7,437,000 | 7,653,000 | 8,363,000 |
| Equity capital | 21,804,000 | 22,710,000 | 22,734,000 | 22,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 803,000 | 1,550,000 | 2,289,000 | 2,965,000 |
| Interest expense | 175,000 | 335,000 | 479,000 | 603,000 |
| Net interest income | 628,000 | 1,215,000 | 1,810,000 | 2,362,000 |
| Noninterest income | 39,000 | 75,000 | 114,000 | 160,000 |
| Noninterest expense | 565,000 | 1,119,000 | 1,681,000 | 2,203,000 |
| Provision for loan losses | 3,000 | 5,000 | 10,000 | 207,000 |
| Pretax income | 99,000 | 166,000 | 233,000 | 112,000 |
| Income tax | 15,000 | 18,000 | 29,000 | -18,000 |
| Net income | 84,000 | 148,000 | 204,000 | 130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,959,000 | 22,023,000 | 22,079,000 | 22,004,000 |
| Total capital | — | 22,353,000 | — | — |
| Risk-weighted assets | — | 54,046,000 | — | — |