Call reports 2004
IOWA-NEBRASKA STATE BANK — 2004
What IOWA-NEBRASKA 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 | 178,892,000 | 187,624,000 | 207,599,000 | 211,717,000 |
| Total loans | 120,032,000 | 133,275,000 | 144,980,000 | 152,219,000 |
| Allowance for loan losses | 1,448,000 | 1,478,000 | 1,545,000 | 1,619,000 |
| Securities available for sale | 34,279,000 | 34,907,000 | 36,588,000 | 35,001,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,277,000 | 134,510,000 | 150,638,000 | 151,813,000 |
| Interest-bearing deposits | 119,871,000 | 117,339,000 | 132,251,000 | 131,856,000 |
| Noninterest-bearing deposits | 17,406,000 | 17,171,000 | 18,387,000 | 19,957,000 |
| Equity capital | 15,727,000 | 15,795,000 | 16,042,000 | 16,259,000 |
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 | 2,175,000 | 4,364,000 | 6,785,000 | 9,400,000 |
| Interest expense | 787,000 | 1,581,000 | 2,453,000 | 3,430,000 |
| Net interest income | 1,388,000 | 2,783,000 | 4,332,000 | 5,970,000 |
| Noninterest income | 397,000 | 860,000 | 1,297,000 | 1,784,000 |
| Noninterest expense | 1,288,000 | 2,547,000 | 3,982,000 | 5,474,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 422,000 | 1,009,000 | 1,485,000 | 2,043,000 |
| Income tax | 87,000 | 196,000 | 389,000 | 484,000 |
| Net income | 335,000 | 813,000 | 1,096,000 | 1,559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,562,000 | 15,903,000 | 16,001,000 | 16,315,000 |
| Total capital | 17,010,000 | 17,381,000 | 17,546,000 | 17,934,000 |
| Risk-weighted assets | 127,747,000 | 142,352,000 | 156,937,000 | 167,160,000 |