Call reports 2004
IRON WORKERS SAVINGS BANK — 2004
What IRON WORKERS SAVINGS 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 | 133,561,000 | 131,508,000 | 131,315,000 | 128,679,000 |
| Total loans | 73,045,000 | 74,790,000 | 78,928,000 | 78,821,000 |
| Allowance for loan losses | 210,000 | 289,000 | 277,000 | 289,000 |
| Securities available for sale | 5,950,000 | 5,913,000 | 3,916,000 | 3,912,000 |
| Securities held to maturity | 33,602,000 | 31,603,000 | 29,596,000 | 28,605,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,094,000 | 120,991,000 | 120,475,000 | 117,734,000 |
| Interest-bearing deposits | 112,321,000 | 108,254,000 | 108,374,000 | 107,382,000 |
| Noninterest-bearing deposits | 10,773,000 | 12,737,000 | 12,101,000 | 10,352,000 |
| Equity capital | 9,929,000 | 10,055,000 | 10,276,000 | 10,419,000 |
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 | 1,589,000 | 3,150,000 | 4,737,000 | 6,341,000 |
| Interest expense | 418,000 | 837,000 | 1,268,000 | 1,718,000 |
| Net interest income | 1,171,000 | 2,313,000 | 3,469,000 | 4,623,000 |
| Noninterest income | 57,000 | 134,000 | 201,000 | 253,000 |
| Noninterest expense | 970,000 | 1,890,000 | 2,915,000 | 3,890,000 |
| Provision for loan losses | 14,000 | 93,000 | 81,000 | 93,000 |
| Pretax income | 256,000 | 452,000 | 708,000 | 859,000 |
| Income tax | 63,000 | 97,000 | 156,000 | 176,000 |
| Net income | 193,000 | 355,000 | 552,000 | 683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,929,000 | 10,095,000 | 10,276,000 | 10,419,000 |
| Total capital | 10,139,000 | 10,384,000 | 10,553,000 | 10,708,000 |
| Risk-weighted assets | 68,265,000 | 69,857,000 | 72,865,000 | 72,893,000 |