Call reports 2005
IOWA STATE BANK — 2005
What IOWA STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 108,750,000 | 111,321,000 | 116,144,000 | 115,158,000 |
| Total loans | 84,842,000 | 86,731,000 | 90,147,000 | 90,127,000 |
| Allowance for loan losses | 1,087,000 | 1,031,000 | 1,091,000 | 989,000 |
| Securities available for sale | 18,532,000 | 19,337,000 | 20,110,000 | 18,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,128,000 | 89,105,000 | 92,291,000 | 93,348,000 |
| Interest-bearing deposits | 83,593,000 | 83,676,000 | 86,222,000 | 84,475,000 |
| Noninterest-bearing deposits | 6,536,000 | 5,429,000 | 6,069,000 | 8,873,000 |
| Equity capital | 7,758,000 | 8,224,000 | 8,497,000 | 8,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,474,000 | 3,082,000 | 4,880,000 | 6,632,000 |
| Interest expense | 557,000 | 1,209,000 | 2,019,000 | 2,860,000 |
| Net interest income | 917,000 | 1,873,000 | 2,861,000 | 3,772,000 |
| Noninterest income | 151,000 | 325,000 | 439,000 | 674,000 |
| Noninterest expense | 587,000 | 1,193,000 | 1,783,000 | 2,440,000 |
| Provision for loan losses | 125,000 | 246,000 | 408,000 | 532,000 |
| Pretax income | 356,000 | 759,000 | 1,109,000 | 1,474,000 |
| Income tax | 18,000 | 39,000 | 54,000 | 62,000 |
| Net income | 338,000 | 720,000 | 1,055,000 | 1,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,866,000 | 8,256,000 | 8,591,000 | 8,248,000 |
| Total capital | 8,953,000 | 9,287,000 | 9,682,000 | 9,237,000 |
| Risk-weighted assets | 88,912,000 | 89,320,000 | 92,816,000 | 94,021,000 |
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