Call reports 2006
IAB FINANCIAL BANK — 2006
What IAB FINANCIAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 552,723,000 | 552,230,000 | 551,941,000 | 582,674,000 |
| Total loans | 428,634,000 | 433,265,000 | 432,422,000 | 445,394,000 |
| Allowance for loan losses | 5,023,000 | 5,084,000 | 5,174,000 | 4,816,000 |
| Securities available for sale | 89,164,000 | 89,876,000 | 88,635,000 | 92,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,176,000 | 411,334,000 | 408,574,000 | 431,454,000 |
| Interest-bearing deposits | 341,961,000 | 344,037,000 | 343,740,000 | 352,509,000 |
| Noninterest-bearing deposits | 72,215,000 | 67,297,000 | 64,834,000 | 78,945,000 |
| Equity capital | 45,305,000 | 45,878,000 | 47,620,000 | 48,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,161,000 | 16,627,000 | 25,363,000 | 34,346,000 |
| Interest expense | 3,607,000 | 7,490,000 | 11,872,000 | 16,418,000 |
| Net interest income | 4,554,000 | 9,137,000 | 13,491,000 | 17,928,000 |
| Noninterest income | 778,000 | 1,583,000 | 2,766,000 | 3,674,000 |
| Noninterest expense | 2,762,000 | 5,425,000 | 8,298,000 | 11,216,000 |
| Provision for loan losses | 0 | 50,000 | 170,000 | 220,000 |
| Pretax income | 2,570,000 | 5,245,000 | 7,789,000 | 10,153,000 |
| Income tax | 855,000 | 1,746,000 | 2,451,000 | 3,175,000 |
| Net income | 1,715,000 | 3,499,000 | 5,338,000 | 6,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,022,000 | 47,142,000 | 48,045,000 | 48,763,000 |
| Total capital | 51,045,000 | 52,226,000 | 53,219,000 | 53,579,000 |
| Risk-weighted assets | 437,140,000 | 441,896,000 | 441,316,000 | 459,933,000 |