Call reports 2004
IOWA STATE BANK — 2004
What IOWA STATE 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 | 100,633,000 | 104,172,000 | 106,341,000 | 100,321,000 |
| Total loans | 72,906,000 | 77,206,000 | 80,048,000 | 77,408,000 |
| Allowance for loan losses | 898,000 | 929,000 | 883,000 | 991,000 |
| Securities available for sale | 21,764,000 | 21,793,000 | 20,424,000 | 17,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,260,000 | 87,793,000 | 89,179,000 | 91,213,000 |
| Interest-bearing deposits | 81,698,000 | 81,846,000 | 83,364,000 | 83,506,000 |
| Noninterest-bearing deposits | 5,561,000 | 5,948,000 | 5,815,000 | 7,707,000 |
| Equity capital | 7,235,000 | 7,260,000 | 7,741,000 | 7,544,000 |
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 | 1,264,000 | 2,639,000 | 4,077,000 | 5,559,000 |
| Interest expense | 468,000 | 948,000 | 1,467,000 | 1,992,000 |
| Net interest income | 796,000 | 1,691,000 | 2,610,000 | 3,567,000 |
| Noninterest income | 147,000 | 286,000 | 507,000 | 725,000 |
| Noninterest expense | 613,000 | 1,312,000 | 1,942,000 | 2,596,000 |
| Provision for loan losses | 61,000 | 122,000 | 213,000 | 329,000 |
| Pretax income | 269,000 | 543,000 | 959,000 | 1,364,000 |
| Income tax | 13,000 | 26,000 | 46,000 | 69,000 |
| Net income | 256,000 | 517,000 | 913,000 | 1,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,886,000 | 7,165,000 | 7,579,000 | 7,480,000 |
| Total capital | 7,784,000 | 8,094,000 | 8,462,000 | 8,470,000 |
| Risk-weighted assets | 74,090,000 | 82,042,000 | 85,481,000 | 79,282,000 |
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