Call reports 2016
IOWA STATE SAVINGS BANK — 2016
What IOWA STATE SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 144,651,000 | 144,299,000 | 152,314,000 | 149,674,000 |
| Total loans | 69,767,000 | 70,377,000 | 72,413,000 | 73,549,000 |
| Allowance for loan losses | 1,054,000 | 1,067,000 | 1,098,000 | 1,109,000 |
| Securities available for sale | 39,013,000 | 40,157,000 | 41,156,000 | 49,592,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,667,000 | 130,016,000 | 137,869,000 | 136,059,000 |
| Interest-bearing deposits | 103,841,000 | 105,185,000 | 113,824,000 | 109,015,000 |
| Noninterest-bearing deposits | 26,826,000 | 24,831,000 | 24,045,000 | 27,044,000 |
| Equity capital | 12,215,000 | 12,408,000 | 12,618,000 | 11,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,237,000 | 2,490,000 | 3,810,000 | 5,152,000 |
| Interest expense | 106,000 | 215,000 | 327,000 | 439,000 |
| Net interest income | 1,131,000 | 2,275,000 | 3,483,000 | 4,713,000 |
| Noninterest income | 379,000 | 834,000 | 1,287,000 | 1,719,000 |
| Noninterest expense | 1,059,000 | 2,116,000 | 3,194,000 | 4,289,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 221,000 |
| Pretax income | 401,000 | 893,000 | 1,426,000 | 1,922,000 |
| Income tax | 20,000 | 47,000 | 73,000 | 98,000 |
| Net income | 381,000 | 846,000 | 1,353,000 | 1,824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,730,000 | 11,840,000 | 12,206,000 | 12,383,000 |
| Total capital | 12,784,000 | 12,907,000 | 13,304,000 | 13,492,000 |
| Risk-weighted assets | 92,849,000 | 93,557,000 | 96,521,000 | 96,554,000 |