Call reports 2005
IOWA-NEBRASKA STATE BANK — 2005
What IOWA-NEBRASKA 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 | 207,937,000 | 208,384,000 | 206,999,000 | 204,926,000 |
| Total loans | 148,907,000 | 151,868,000 | 147,804,000 | 147,184,000 |
| Allowance for loan losses | 1,833,000 | 2,251,000 | 2,222,000 | 2,187,000 |
| Securities available for sale | 34,337,000 | 32,638,000 | 31,644,000 | 30,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,714,000 | 149,862,000 | 153,898,000 | 149,762,000 |
| Interest-bearing deposits | 138,039,000 | 132,013,000 | 135,786,000 | 129,700,000 |
| Noninterest-bearing deposits | 18,675,000 | 17,849,000 | 18,112,000 | 20,062,000 |
| Equity capital | 16,124,000 | 16,297,000 | 16,342,000 | 16,829,000 |
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 | 2,654,000 | 5,403,000 | 8,226,000 | 11,045,000 |
| Interest expense | 1,046,000 | 2,150,000 | 3,399,000 | 4,668,000 |
| Net interest income | 1,608,000 | 3,253,000 | 4,827,000 | 6,377,000 |
| Noninterest income | 429,000 | 916,000 | 1,391,000 | 1,910,000 |
| Noninterest expense | 1,519,000 | 2,944,000 | 4,475,000 | 5,918,000 |
| Provision for loan losses | 210,000 | 643,000 | 643,000 | 643,000 |
| Pretax income | 308,000 | 582,000 | 1,100,000 | 1,726,000 |
| Income tax | 76,000 | 200,000 | 319,000 | 269,000 |
| Net income | 232,000 | 382,000 | 781,000 | 1,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,356,000 | 16,348,000 | 16,547,000 | 17,059,000 |
| Total capital | 18,189,000 | 18,427,000 | 18,585,000 | 19,078,000 |
| Risk-weighted assets | 162,032,000 | 165,362,000 | 162,135,000 | 161,239,000 |