Call reports 2003
IOWA-NEBRASKA STATE BANK — 2003
What IOWA-NEBRASKA STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 154,066,000 | 159,212,000 | 166,808,000 | 177,532,000 |
| Total loans | 100,281,000 | 99,464,000 | 114,169,000 | 121,961,000 |
| Allowance for loan losses | 1,220,000 | 1,224,000 | 1,293,000 | 1,398,000 |
| Securities available for sale | 33,245,000 | 35,973,000 | 37,128,000 | 36,416,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,305,000 | 124,053,000 | 129,786,000 | 131,747,000 |
| Interest-bearing deposits | 102,562,000 | 107,493,000 | 111,806,000 | 113,525,000 |
| Noninterest-bearing deposits | 15,743,000 | 16,560,000 | 17,980,000 | 18,222,000 |
| Equity capital | 12,586,000 | 12,911,000 | 12,683,000 | 12,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,133,000 | 4,226,000 | 6,329,000 | 8,544,000 |
| Interest expense | 805,000 | 1,602,000 | 2,348,000 | 3,132,000 |
| Net interest income | 1,328,000 | 2,624,000 | 3,981,000 | 5,412,000 |
| Noninterest income | 412,000 | 905,000 | 1,356,000 | 1,792,000 |
| Noninterest expense | 1,192,000 | 2,440,000 | 3,742,000 | 5,028,000 |
| Provision for loan losses | 65,000 | 115,000 | 190,000 | 315,000 |
| Pretax income | 534,000 | 1,025,000 | 1,456,000 | 1,931,000 |
| Income tax | 121,000 | 261,000 | 396,000 | 505,000 |
| Net income | 413,000 | 764,000 | 1,060,000 | 1,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,730,000 | 11,971,000 | 12,119,000 | 12,375,000 |
| Total capital | 12,950,000 | 13,195,000 | 13,412,000 | 13,773,000 |
| Risk-weighted assets | 104,213,000 | 106,938,000 | 122,304,000 | 129,669,000 |