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 | 239,959,000 | 235,179,000 | 234,045,000 | 228,239,000 |
| Total loans | 175,062,000 | 173,929,000 | 168,828,000 | 169,863,000 |
| Allowance for loan losses | 2,434,000 | 2,233,000 | 2,301,000 | 2,573,000 |
| Securities available for sale | 33,967,000 | 40,984,000 | 38,419,000 | 38,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,679,000 | 194,815,000 | 197,057,000 | 196,407,000 |
| Interest-bearing deposits | 175,045,000 | 171,783,000 | 175,611,000 | 171,448,000 |
| Noninterest-bearing deposits | 24,634,000 | 23,032,000 | 21,445,000 | 24,959,000 |
| Equity capital | 19,407,000 | 19,244,000 | 18,111,000 | 17,724,000 |
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 | 2,246,000 | 4,441,000 | 6,724,000 | 8,902,000 |
| Interest expense | 281,000 | 568,000 | 842,000 | 1,104,000 |
| Net interest income | 1,965,000 | 3,873,000 | 5,882,000 | 7,798,000 |
| Noninterest income | 368,000 | 663,000 | 863,000 | 1,082,000 |
| Noninterest expense | 1,806,000 | 3,623,000 | 5,456,000 | 6,977,000 |
| Provision for loan losses | 115,000 | 280,000 | 1,435,000 | 1,632,000 |
| Pretax income | 413,000 | 634,000 | -145,000 | 273,000 |
| Income tax | 21,000 | 32,000 | 0 | 11,000 |
| Net income | 392,000 | 602,000 | -145,000 | 262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,667,000 | 17,367,000 | 16,444,000 | 16,850,000 |
| Total capital | 19,944,000 | 19,601,000 | 18,649,000 | 19,081,000 |
| Risk-weighted assets | 181,973,000 | 183,384,000 | 176,327,000 | 178,174,000 |
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