Call reports 2006
IOWA-NEBRASKA STATE BANK — 2006
What IOWA-NEBRASKA STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 203,495,000 | 206,703,000 | 207,651,000 | 219,687,000 |
| Total loans | 144,726,000 | 147,500,000 | 149,373,000 | 155,709,000 |
| Allowance for loan losses | 2,200,000 | 2,322,000 | 2,312,000 | 2,287,000 |
| Securities available for sale | 34,005,000 | 34,925,000 | 35,008,000 | 34,743,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,516,000 | 146,411,000 | 153,030,000 | 157,458,000 |
| Interest-bearing deposits | 129,228,000 | 125,892,000 | 131,675,000 | 135,482,000 |
| Noninterest-bearing deposits | 20,288,000 | 20,519,000 | 21,355,000 | 21,976,000 |
| Equity capital | 16,933,000 | 16,861,000 | 17,418,000 | 17,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,783,000 | 5,713,000 | 8,793,000 | 11,963,000 |
| Interest expense | 1,283,000 | 2,717,000 | 4,308,000 | 6,056,000 |
| Net interest income | 1,500,000 | 2,996,000 | 4,485,000 | 5,907,000 |
| Noninterest income | 497,000 | 1,079,000 | 1,651,000 | 2,162,000 |
| Noninterest expense | 1,493,000 | 2,931,000 | 4,584,000 | 6,291,000 |
| Provision for loan losses | 40,000 | 165,000 | 165,000 | 165,000 |
| Pretax income | 464,000 | 979,000 | 1,387,000 | 1,607,000 |
| Income tax | 102,000 | 289,000 | 307,000 | 452,000 |
| Net income | 362,000 | 690,000 | 1,080,000 | 1,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,215,000 | 17,371,000 | 17,545,000 | 17,426,000 |
| Total capital | 19,201,000 | 19,407,000 | 19,617,000 | 19,608,000 |
| Risk-weighted assets | 157,894,000 | 161,823,000 | 164,727,000 | 173,684,000 |