Call reports 2008
IOWA STATE BANK — 2008
What IOWA STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 105,960,000 | 103,014,000 | 105,851,000 | 108,147,000 |
| Total loans | 63,713,000 | 62,960,000 | 68,416,000 | 72,862,000 |
| Allowance for loan losses | 724,000 | 754,000 | 716,000 | 745,000 |
| Securities available for sale | 26,743,000 | 30,400,000 | 30,566,000 | 29,061,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,540,000 | 93,229,000 | 95,211,000 | 93,100,000 |
| Interest-bearing deposits | 86,978,000 | 85,812,000 | 87,256,000 | 83,626,000 |
| Noninterest-bearing deposits | 8,562,000 | 7,417,000 | 7,955,000 | 9,474,000 |
| Equity capital | 9,806,000 | 9,209,000 | 9,401,000 | 10,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,448,000 | 2,828,000 | 4,194,000 | 5,623,000 |
| Interest expense | 785,000 | 1,456,000 | 2,053,000 | 2,599,000 |
| Net interest income | 663,000 | 1,372,000 | 2,141,000 | 3,024,000 |
| Noninterest income | 112,000 | 198,000 | 300,000 | 380,000 |
| Noninterest expense | 475,000 | 960,000 | 1,432,000 | 1,908,000 |
| Provision for loan losses | 30,000 | 60,000 | 275,000 | 440,000 |
| Pretax income | 270,000 | 550,000 | 734,000 | 1,056,000 |
| Income tax | 11,000 | 24,000 | 40,000 | 55,000 |
| Net income | 259,000 | 526,000 | 694,000 | 1,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,077,000 | 7,171,000 | 7,222,000 | 7,299,000 |
| Total capital | 7,801,000 | 7,925,000 | 7,938,000 | 8,044,000 |
| Risk-weighted assets | 73,881,000 | 72,292,000 | 74,412,000 | 78,201,000 |