Call reports 2023
INVESTMENT SAVINGS BANK — 2023
What INVESTMENT SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 105,623,000 | 103,356,000 | 102,373,000 | 103,091,000 |
| Total loans | 46,687,000 | 46,447,000 | 46,329,000 | 47,160,000 |
| Allowance for loan losses | 489,000 | 485,000 | 407,000 | 407,000 |
| Securities available for sale | 44,558,000 | 42,405,000 | 41,155,000 | 40,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,965,000 | 76,789,000 | 75,089,000 | 73,348,000 |
| Interest-bearing deposits | 69,714,000 | 66,384,000 | 65,625,000 | 64,389,000 |
| Noninterest-bearing deposits | 11,251,000 | 10,405,000 | 9,464,000 | 8,959,000 |
| Equity capital | 19,822,000 | 19,457,000 | 19,243,000 | 20,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 801,000 | 1,614,000 | 2,435,000 | 3,274,000 |
| Interest expense | 195,000 | 460,000 | 754,000 | 1,079,000 |
| Net interest income | 606,000 | 1,154,000 | 1,681,000 | 2,195,000 |
| Noninterest income | 39,000 | 79,000 | 114,000 | 160,000 |
| Noninterest expense | 468,000 | 998,000 | 1,535,000 | 2,058,000 |
| Provision for loan losses | 0 | -4,000 | -82,000 | -82,000 |
| Pretax income | 177,000 | 239,000 | 342,000 | 379,000 |
| Income tax | 38,000 | 43,000 | 68,000 | 74,000 |
| Net income | 139,000 | 196,000 | 274,000 | 305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,486,000 | 22,542,000 | 22,619,000 | 22,652,000 |