Call reports 2004
IAB FINANCIAL BANK — 2004
What IAB FINANCIAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 475,931,000 | 500,049,000 | 519,931,000 | 511,794,000 |
| Total loans | 384,044,000 | 384,727,000 | 392,732,000 | 393,756,000 |
| Allowance for loan losses | 4,174,000 | 4,468,000 | 4,674,000 | 4,646,000 |
| Securities available for sale | 60,222,000 | 74,403,000 | 84,442,000 | 85,667,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,601,000 | 378,828,000 | 384,090,000 | 367,416,000 |
| Interest-bearing deposits | 315,496,000 | 321,511,000 | 322,009,000 | 305,937,000 |
| Noninterest-bearing deposits | 55,105,000 | 57,317,000 | 62,081,000 | 61,479,000 |
| Equity capital | 36,762,000 | 46,012,000 | 48,004,000 | 48,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,078,000 | 12,196,000 | 18,657,000 | 25,428,000 |
| Interest expense | 2,195,000 | 4,372,000 | 6,700,000 | 9,176,000 |
| Net interest income | 3,883,000 | 7,824,000 | 11,957,000 | 16,252,000 |
| Noninterest income | 937,000 | 1,906,000 | 2,863,000 | 3,710,000 |
| Noninterest expense | 2,644,000 | 5,175,000 | 7,689,000 | 10,307,000 |
| Provision for loan losses | 160,000 | 410,000 | 610,000 | 660,000 |
| Pretax income | 2,025,000 | 4,154,000 | 6,530,000 | 9,004,000 |
| Income tax | 690,000 | 1,448,000 | 2,294,000 | 3,164,000 |
| Net income | 1,335,000 | 2,706,000 | 4,236,000 | 5,840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,657,000 | 45,796,000 | 47,077,000 | 47,672,000 |
| Total capital | 39,831,000 | 50,264,000 | 51,751,000 | 52,318,000 |
| Risk-weighted assets | 382,406,000 | 392,353,000 | 400,813,000 | 399,688,000 |