Call reports 2007
IOWA STATE SAVINGS BANK — 2007
What IOWA STATE SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 85,114,000 | 81,516,000 | 85,290,000 | 83,486,000 |
| Total loans | 57,207,000 | 57,371,000 | 56,849,000 | 57,566,000 |
| Allowance for loan losses | 834,000 | 844,000 | 867,000 | 837,000 |
| Securities available for sale | 13,846,000 | 13,624,000 | 12,793,000 | 12,925,000 |
| Securities held to maturity | 2,226,000 | 1,846,000 | 1,971,000 | 3,608,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,966,000 | 68,723,000 | 72,186,000 | 70,497,000 |
| Interest-bearing deposits | 57,318,000 | 54,113,000 | 58,620,000 | 55,216,000 |
| Noninterest-bearing deposits | 14,648,000 | 14,610,000 | 13,566,000 | 15,281,000 |
| Equity capital | 7,865,000 | 8,001,000 | 8,327,000 | 8,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,434,000 | 2,945,000 | 4,450,000 | 5,953,000 |
| Interest expense | 447,000 | 930,000 | 1,409,000 | 1,902,000 |
| Net interest income | 987,000 | 2,015,000 | 3,041,000 | 4,051,000 |
| Noninterest income | 247,000 | 548,000 | 823,000 | 1,107,000 |
| Noninterest expense | 848,000 | 1,705,000 | 2,625,000 | 3,683,000 |
| Provision for loan losses | 85,000 | 165,000 | 235,000 | 271,000 |
| Pretax income | 301,000 | 693,000 | 1,004,000 | 1,204,000 |
| Income tax | 15,000 | 35,000 | 51,000 | 59,000 |
| Net income | 286,000 | 658,000 | 953,000 | 1,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,876,000 | 8,103,000 | 8,253,000 | 8,144,000 |
| Total capital | 8,689,000 | 8,922,000 | 9,083,000 | 8,973,000 |
| Risk-weighted assets | 65,037,000 | 65,483,000 | 66,332,000 | 66,297,000 |
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