Call reports 2005
IAB FINANCIAL BANK — 2005
What IAB FINANCIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 512,139,000 | 556,294,000 | 554,288,000 | 551,800,000 |
| Total loans | 399,569,000 | 410,084,000 | 426,888,000 | 425,765,000 |
| Allowance for loan losses | 4,771,000 | 4,896,000 | 5,064,000 | 4,994,000 |
| Securities available for sale | 87,097,000 | 87,619,000 | 88,224,000 | 88,673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,193,000 | 408,013,000 | 419,598,000 | 421,421,000 |
| Interest-bearing deposits | 309,029,000 | 336,052,000 | 343,910,000 | 351,732,000 |
| Noninterest-bearing deposits | 64,164,000 | 71,961,000 | 75,688,000 | 69,689,000 |
| Equity capital | 48,847,000 | 45,739,000 | 44,503,000 | 44,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,806,000 | 14,141,000 | 21,838,000 | 29,977,000 |
| Interest expense | 2,535,000 | 5,533,000 | 8,698,000 | 12,125,000 |
| Net interest income | 4,271,000 | 8,608,000 | 13,140,000 | 17,852,000 |
| Noninterest income | 831,000 | 1,834,000 | 2,749,000 | 3,459,000 |
| Noninterest expense | 2,550,000 | 5,102,000 | 7,701,000 | 10,499,000 |
| Provision for loan losses | 125,000 | 250,000 | 430,000 | 430,000 |
| Pretax income | 2,427,000 | 5,090,000 | 7,758,000 | 10,382,000 |
| Income tax | 808,000 | 1,721,000 | 2,622,000 | 3,500,000 |
| Net income | 1,619,000 | 3,369,000 | 5,136,000 | 6,882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,812,000 | 45,405,000 | 44,409,000 | 44,961,000 |
| Total capital | 53,583,000 | 50,301,000 | 49,473,000 | 49,955,000 |
| Risk-weighted assets | 405,141,000 | 422,519,000 | 431,988,000 | 433,465,000 |