Call reports 2009
IAB FINANCIAL BANK — 2009
What IAB FINANCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 573,099,000 | 589,382,000 | 579,313,000 | 582,467,000 |
| Total loans | 424,059,000 | 423,713,000 | 421,449,000 | 419,262,000 |
| Allowance for loan losses | 5,330,000 | 5,735,000 | 5,929,000 | 5,935,000 |
| Securities available for sale | 100,173,000 | 98,385,000 | 101,372,000 | 102,337,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,185,000 | 397,336,000 | 390,829,000 | 418,356,000 |
| Interest-bearing deposits | 322,166,000 | 323,237,000 | 325,366,000 | 348,425,000 |
| Noninterest-bearing deposits | 63,019,000 | 74,099,000 | 65,463,000 | 69,931,000 |
| Equity capital | 51,500,000 | 51,715,000 | 54,038,000 | 54,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,474,000 | 14,851,000 | 22,233,000 | 30,033,000 |
| Interest expense | 2,955,000 | 5,780,000 | 8,503,000 | 11,139,000 |
| Net interest income | 4,519,000 | 9,071,000 | 13,730,000 | 18,894,000 |
| Noninterest income | 1,063,000 | 2,381,000 | 3,593,000 | 5,006,000 |
| Noninterest expense | 3,112,000 | 6,434,000 | 9,407,000 | 12,324,000 |
| Provision for loan losses | 445,000 | 1,105,000 | 1,405,000 | 2,105,000 |
| Pretax income | 2,025,000 | 4,043,000 | 6,641,000 | 9,637,000 |
| Income tax | 565,000 | 1,140,000 | 1,928,000 | 2,877,000 |
| Net income | 1,460,000 | 2,903,000 | 4,713,000 | 6,760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,935,000 | 50,647,000 | 51,777,000 | 53,156,000 |
| Total capital | 55,265,000 | 56,295,000 | 57,349,000 | 58,757,000 |
| Risk-weighted assets | 455,280,000 | 451,726,000 | 445,436,000 | 447,723,000 |