Call reports 2025
INVESTMENT SAVINGS BANK — 2025
What INVESTMENT SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 105,107,000 | 103,210,000 | 104,319,000 | 105,995,000 |
| Total loans | 46,633,000 | 45,914,000 | 46,409,000 | 46,221,000 |
| Allowance for loan losses | 384,000 | 385,000 | 385,000 | 384,000 |
| Securities available for sale | 40,345,000 | 42,161,000 | 43,764,000 | 42,302,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,622,000 | 75,413,000 | 74,783,000 | 76,548,000 |
| Interest-bearing deposits | 65,968,000 | 66,213,000 | 65,844,000 | 65,991,000 |
| Noninterest-bearing deposits | 9,654,000 | 9,200,000 | 8,939,000 | 10,557,000 |
| Equity capital | 21,158,000 | 21,418,000 | 21,848,000 | 22,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 911,000 | 1,849,000 | 2,814,000 | 3,794,000 |
| Interest expense | 347,000 | 695,000 | 1,041,000 | 1,378,000 |
| Net interest income | 564,000 | 1,154,000 | 1,773,000 | 2,416,000 |
| Noninterest income | 42,000 | 82,000 | 152,000 | 195,000 |
| Noninterest expense | 535,000 | 1,059,000 | 1,614,000 | 2,192,000 |
| Provision for loan losses | -1,000 | 1,000 | 1,000 | 3,000 |
| Pretax income | 72,000 | 176,000 | 310,000 | 416,000 |
| Income tax | 12,000 | 32,000 | 60,000 | 80,000 |
| Net income | 60,000 | 144,000 | 250,000 | 336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,831,000 | 22,917,000 | 23,023,000 | 23,108,000 |