Call reports 2004
IOWA STATE SAVINGS BANK — 2004
What IOWA STATE 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 | 79,186,000 | 79,959,000 | 78,574,000 | 82,270,000 |
| Total loans | 58,085,000 | 60,590,000 | 60,926,000 | 58,520,000 |
| Allowance for loan losses | 766,000 | 804,000 | 811,000 | 818,000 |
| Securities available for sale | 4,772,000 | 6,377,000 | 5,411,000 | 5,859,000 |
| Securities held to maturity | 6,537,000 | 4,311,000 | 4,309,000 | 4,207,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,788,000 | 66,384,000 | 64,856,000 | 68,600,000 |
| Interest-bearing deposits | 53,010,000 | 53,355,000 | 53,157,000 | 54,654,000 |
| Noninterest-bearing deposits | 12,778,000 | 13,029,000 | 11,699,000 | 13,946,000 |
| Equity capital | 6,493,000 | 6,630,000 | 6,874,000 | 6,855,000 |
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 | 1,190,000 | 2,394,000 | 3,627,000 | 4,880,000 |
| Interest expense | 266,000 | 536,000 | 809,000 | 1,103,000 |
| Net interest income | 924,000 | 1,858,000 | 2,818,000 | 3,777,000 |
| Noninterest income | 148,000 | 384,000 | 566,000 | 762,000 |
| Noninterest expense | 804,000 | 1,610,000 | 2,412,000 | 3,306,000 |
| Provision for loan losses | 60,000 | 136,000 | 175,000 | 202,000 |
| Pretax income | 208,000 | 496,000 | 798,000 | 1,032,000 |
| Income tax | 11,000 | 25,000 | 41,000 | 53,000 |
| Net income | 197,000 | 471,000 | 757,000 | 979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,390,000 | 6,614,000 | 6,851,000 | 6,866,000 |
| Total capital | 7,156,000 | 7,418,000 | 7,662,000 | 7,650,000 |
| Risk-weighted assets | 62,346,000 | 63,805,000 | 64,248,000 | 62,720,000 |
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