Call reports 2005
IOWA STATE BANK — 2005
What IOWA STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 66,775,000 | 65,459,000 | 66,501,000 | 66,650,000 |
| Total loans | 37,031,000 | 42,602,000 | 44,141,000 | 45,602,000 |
| Allowance for loan losses | 533,000 | 545,000 | 560,000 | 549,000 |
| Securities available for sale | 20,578,000 | 19,775,000 | 18,745,000 | 18,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,765,000 | 58,302,000 | 60,301,000 | 58,174,000 |
| Interest-bearing deposits | 55,690,000 | 53,059,000 | 55,440,000 | 51,955,000 |
| Noninterest-bearing deposits | 5,075,000 | 5,243,000 | 4,861,000 | 6,219,000 |
| Equity capital | 5,243,000 | 5,371,000 | 5,393,000 | 5,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 823,000 | 1,712,000 | 2,631,000 | 3,563,000 |
| Interest expense | 311,000 | 651,000 | 1,021,000 | 1,407,000 |
| Net interest income | 512,000 | 1,061,000 | 1,610,000 | 2,156,000 |
| Noninterest income | 66,000 | 146,000 | 215,000 | 277,000 |
| Noninterest expense | 335,000 | 673,000 | 1,025,000 | 1,360,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 228,000 | 499,000 | 750,000 | 1,008,000 |
| Income tax | 11,000 | 24,000 | 37,000 | 50,000 |
| Net income | 217,000 | 475,000 | 713,000 | 958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,377,000 | 5,487,000 | 5,574,000 | 5,607,000 |
| Total capital | 5,910,000 | 6,032,000 | 6,134,000 | 6,156,000 |
| Risk-weighted assets | 45,920,000 | 48,653,000 | 49,103,000 | 50,934,000 |