Call reports 2007
IAB FINANCIAL BANK — 2007
What IAB FINANCIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 569,771,000 | 561,144,000 | 556,505,000 | 555,873,000 |
| Total loans | 443,602,000 | 424,944,000 | 423,464,000 | 423,236,000 |
| Allowance for loan losses | 4,888,000 | 4,862,000 | 4,901,000 | 4,737,000 |
| Securities available for sale | 88,525,000 | 90,470,000 | 91,785,000 | 92,888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 418,167,000 | 411,021,000 | 397,406,000 | 376,925,000 |
| Interest-bearing deposits | 354,007,000 | 347,627,000 | 333,683,000 | 308,029,000 |
| Noninterest-bearing deposits | 64,160,000 | 63,394,000 | 63,723,000 | 68,896,000 |
| Equity capital | 46,802,000 | 44,028,000 | 44,987,000 | 46,282,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,160,000 | 18,143,000 | 27,023,000 | 35,854,000 |
| Interest expense | 4,664,000 | 9,307,000 | 13,915,000 | 18,311,000 |
| Net interest income | 4,496,000 | 8,836,000 | 13,108,000 | 17,543,000 |
| Noninterest income | 849,000 | 1,796,000 | 2,707,000 | 3,515,000 |
| Noninterest expense | 2,989,000 | 6,032,000 | 8,860,000 | 11,741,000 |
| Provision for loan losses | 70,000 | 70,000 | 120,000 | 150,000 |
| Pretax income | 2,286,000 | 4,530,000 | 6,835,000 | 9,182,000 |
| Income tax | 645,000 | 1,282,000 | 1,935,000 | 2,548,000 |
| Net income | 1,641,000 | 3,248,000 | 4,900,000 | 6,634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,819,000 | 44,866,000 | 44,910,000 | 45,846,000 |
| Total capital | 51,707,000 | 49,728,000 | 49,811,000 | 50,583,000 |
| Risk-weighted assets | 456,078,000 | 447,630,000 | 444,442,000 | 447,252,000 |