Call reports 2005
IOWA STATE SAVINGS BANK — 2005
What IOWA STATE SAVINGS 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 | 85,564,000 | 84,779,000 | 83,503,000 | 87,305,000 |
| Total loans | 57,680,000 | 57,110,000 | 58,352,000 | 57,192,000 |
| Allowance for loan losses | 826,000 | 862,000 | 845,000 | 850,000 |
| Securities available for sale | 8,984,000 | 9,037,000 | 8,968,000 | 11,462,000 |
| Securities held to maturity | 4,206,000 | 3,397,000 | 3,395,000 | 3,294,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,115,000 | 71,049,000 | 69,604,000 | 73,577,000 |
| Interest-bearing deposits | 58,093,000 | 57,950,000 | 55,658,000 | 58,461,000 |
| Noninterest-bearing deposits | 14,022,000 | 13,099,000 | 13,946,000 | 15,116,000 |
| Equity capital | 6,734,000 | 7,009,000 | 7,195,000 | 7,136,000 |
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 | 1,239,000 | 2,549,000 | 3,916,000 | 5,323,000 |
| Interest expense | 292,000 | 628,000 | 984,000 | 1,386,000 |
| Net interest income | 947,000 | 1,921,000 | 2,932,000 | 3,937,000 |
| Noninterest income | 286,000 | 542,000 | 801,000 | 1,023,000 |
| Noninterest expense | 851,000 | 1,669,000 | 2,491,000 | 3,388,000 |
| Provision for loan losses | 94,000 | 150,000 | 217,000 | 298,000 |
| Pretax income | 288,000 | 644,000 | 1,025,000 | 1,274,000 |
| Income tax | 12,000 | 33,000 | 52,000 | 65,000 |
| Net income | 276,000 | 611,000 | 973,000 | 1,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,815,000 | 7,041,000 | 7,295,000 | 7,265,000 |
| Total capital | 7,600,000 | 7,815,000 | 8,088,000 | 8,068,000 |
| Risk-weighted assets | 62,769,000 | 61,794,000 | 63,416,000 | 64,979,000 |
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