Call reports 2004
IOWA STATE BANK — 2004
What IOWA STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 69,159,000 | 63,642,000 | 63,285,000 | 63,294,000 |
| Total loans | 38,786,000 | 39,276,000 | 40,324,000 | 39,626,000 |
| Allowance for loan losses | 454,000 | 430,000 | 456,000 | 521,000 |
| Securities available for sale | 20,547,000 | 20,732,000 | 18,905,000 | 19,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,065,000 | 57,927,000 | 56,850,000 | 57,121,000 |
| Interest-bearing deposits | 58,145,000 | 53,154,000 | 52,617,000 | 51,643,000 |
| Noninterest-bearing deposits | 4,920,000 | 4,773,000 | 4,233,000 | 5,478,000 |
| Equity capital | 5,772,000 | 5,259,000 | 5,613,000 | 5,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 853,000 | 1,678,000 | 2,518,000 | 3,351,000 |
| Interest expense | 363,000 | 704,000 | 1,032,000 | 1,351,000 |
| Net interest income | 490,000 | 974,000 | 1,486,000 | 2,000,000 |
| Noninterest income | 81,000 | 145,000 | 206,000 | 284,000 |
| Noninterest expense | 345,000 | 669,000 | 998,000 | 1,316,000 |
| Provision for loan losses | 9,000 | 19,000 | 55,000 | 182,000 |
| Pretax income | 217,000 | 431,000 | 639,000 | 786,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 36,000 |
| Net income | 208,000 | 413,000 | 612,000 | 750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,212,000 | 5,277,000 | 5,371,000 | 5,310,000 |
| Total capital | 5,666,000 | 5,707,000 | 5,827,000 | 5,831,000 |
| Risk-weighted assets | 48,779,000 | 45,250,000 | 46,520,000 | 46,377,000 |