Call reports 2003
IAB FINANCIAL BANK — 2003
What IAB FINANCIAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 420,606,000 | 431,686,000 | 465,944,000 | 452,309,000 |
| Total loans | 348,691,000 | 356,385,000 | 365,599,000 | 371,977,000 |
| Allowance for loan losses | 4,184,000 | 3,985,000 | 3,800,000 | 4,014,000 |
| Securities available for sale | 46,331,000 | 46,690,000 | 52,891,000 | 56,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,357,000 | 328,245,000 | 366,415,000 | 348,074,000 |
| Interest-bearing deposits | 272,786,000 | 276,903,000 | 315,493,000 | 292,642,000 |
| Noninterest-bearing deposits | 53,571,000 | 51,342,000 | 50,922,000 | 55,432,000 |
| Equity capital | 33,355,000 | 34,714,000 | 35,385,000 | 35,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,606,000 | 11,375,000 | 17,250,000 | 23,451,000 |
| Interest expense | 2,348,000 | 4,680,000 | 7,012,000 | 9,185,000 |
| Net interest income | 3,258,000 | 6,695,000 | 10,238,000 | 14,266,000 |
| Noninterest income | 1,389,000 | 2,852,000 | 4,158,000 | 5,000,000 |
| Noninterest expense | 2,526,000 | 5,154,000 | 7,852,000 | 10,456,000 |
| Provision for loan losses | 75,000 | 435,000 | 1,150,000 | 1,235,000 |
| Pretax income | 2,046,000 | 3,958,000 | 5,447,000 | 7,628,000 |
| Income tax | 631,000 | 1,312,000 | 1,795,000 | 2,555,000 |
| Net income | 1,415,000 | 2,646,000 | 3,652,000 | 5,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,078,000 | 33,299,000 | 34,305,000 | 34,382,000 |
| Total capital | 36,262,000 | 37,284,000 | 38,105,000 | 38,396,000 |
| Risk-weighted assets | 342,676,000 | 351,141,000 | 366,212,000 | 369,277,000 |