Call reports 2014
IOWA STATE SAVINGS BANK — 2014
What IOWA STATE SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 124,835,000 | 123,697,000 | 121,909,000 | 124,597,000 |
| Total loans | 64,755,000 | 65,695,000 | 66,549,000 | 66,375,000 |
| Allowance for loan losses | 1,096,000 | 1,139,000 | 922,000 | 939,000 |
| Securities available for sale | 32,417,000 | 31,340,000 | 31,900,000 | 32,968,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,046,000 | 111,476,000 | 109,539,000 | 112,128,000 |
| Interest-bearing deposits | 89,760,000 | 89,530,000 | 90,391,000 | 89,992,000 |
| Noninterest-bearing deposits | 23,286,000 | 21,946,000 | 19,148,000 | 22,136,000 |
| Equity capital | 9,972,000 | 10,284,000 | 10,515,000 | 10,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,106,000 | 2,276,000 | 3,456,000 | 4,626,000 |
| Interest expense | 102,000 | 205,000 | 303,000 | 401,000 |
| Net interest income | 1,004,000 | 2,071,000 | 3,153,000 | 4,225,000 |
| Noninterest income | 308,000 | 685,000 | 1,085,000 | 1,459,000 |
| Noninterest expense | 988,000 | 2,005,000 | 3,015,000 | 4,029,000 |
| Provision for loan losses | 45,000 | 95,000 | 190,000 | 286,000 |
| Pretax income | 279,000 | 656,000 | 1,033,000 | 1,369,000 |
| Income tax | 15,000 | 38,000 | 56,000 | 71,000 |
| Net income | 264,000 | 618,000 | 977,000 | 1,298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,836,000 | 10,055,000 | 10,281,000 | 10,533,000 |
| Total capital | 10,932,000 | 11,130,000 | 11,203,000 | 11,472,000 |
| Risk-weighted assets | 102,226,000 | 86,004,000 | 83,488,000 | 85,067,000 |