Call reports 2002
IAB FINANCIAL BANK — 2002
What IAB FINANCIAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 347,789,000 | 358,502,000 | 383,622,000 | 407,506,000 |
| Total loans | 285,425,000 | 295,259,000 | 318,831,000 | 338,375,000 |
| Allowance for loan losses | 3,329,000 | 3,451,000 | 3,727,000 | 4,123,000 |
| Securities available for sale | 43,995,000 | 43,493,000 | 43,241,000 | 44,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,566,000 | 268,843,000 | 294,106,000 | 315,239,000 |
| Interest-bearing deposits | 220,425,000 | 228,849,000 | 247,034,000 | 256,112,000 |
| Noninterest-bearing deposits | 40,141,000 | 39,994,000 | 47,072,000 | 59,127,000 |
| Equity capital | 28,883,000 | 30,458,000 | 32,166,000 | 31,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,530,000 | 11,232,000 | 17,178,000 | 23,045,000 |
| Interest expense | 2,290,000 | 4,600,000 | 7,084,000 | 9,471,000 |
| Net interest income | 3,240,000 | 6,632,000 | 10,094,000 | 13,574,000 |
| Noninterest income | 879,000 | 1,834,000 | 2,884,000 | 4,191,000 |
| Noninterest expense | 2,190,000 | 4,559,000 | 6,648,000 | 9,354,000 |
| Provision for loan losses | 100,000 | 275,000 | 550,000 | 950,000 |
| Pretax income | 1,829,000 | 3,640,000 | 5,788,000 | 7,469,000 |
| Income tax | 587,000 | 1,162,000 | 1,966,000 | 2,573,000 |
| Net income | 1,242,000 | 2,478,000 | 3,822,000 | 4,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,363,000 | 29,589,000 | 30,933,000 | 30,663,000 |
| Total capital | 31,692,000 | 33,040,000 | 34,660,000 | 34,786,000 |
| Risk-weighted assets | 283,919,000 | 294,451,000 | 315,606,000 | 330,795,000 |