Call reports 2015
IOWA STATE SAVINGS BANK — 2015
What IOWA STATE SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 131,762,000 | 129,073,000 | 137,702,000 | 134,184,000 |
| Total loans | 65,016,000 | 66,912,000 | 69,858,000 | 70,368,000 |
| Allowance for loan losses | 988,000 | 903,000 | 965,000 | 1,019,000 |
| Securities available for sale | 35,852,000 | 38,104,000 | 38,509,000 | 39,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,020,000 | 116,214,000 | 124,541,000 | 120,957,000 |
| Interest-bearing deposits | 97,185,000 | 94,865,000 | 102,041,000 | 96,023,000 |
| Noninterest-bearing deposits | 21,835,000 | 21,349,000 | 22,500,000 | 24,934,000 |
| Equity capital | 10,960,000 | 10,954,000 | 11,378,000 | 11,502,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,140,000 | 2,267,000 | 3,479,000 | 4,714,000 |
| Interest expense | 96,000 | 194,000 | 294,000 | 393,000 |
| Net interest income | 1,044,000 | 2,073,000 | 3,185,000 | 4,321,000 |
| Noninterest income | 366,000 | 808,000 | 1,250,000 | 1,660,000 |
| Noninterest expense | 994,000 | 2,050,000 | 3,121,000 | 4,234,000 |
| Provision for loan losses | 65,000 | 130,000 | 210,000 | 312,000 |
| Pretax income | 351,000 | 701,000 | 1,104,000 | 1,435,000 |
| Income tax | 17,000 | 36,000 | 55,000 | 72,000 |
| Net income | 334,000 | 665,000 | 1,049,000 | 1,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,727,000 | 10,931,000 | 11,187,000 | 11,366,000 |
| Total capital | 11,815,000 | 11,834,000 | 12,152,000 | 12,385,000 |
| Risk-weighted assets | 89,225,000 | 87,792,000 | 90,489,000 | 90,436,000 |