Call reports 2008
IOWA-NEBRASKA STATE BANK — 2008
What IOWA-NEBRASKA 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 | 219,392,000 | 218,596,000 | 220,285,000 | 211,747,000 |
| Total loans | 162,809,000 | 162,883,000 | 163,697,000 | 159,005,000 |
| Allowance for loan losses | 2,344,000 | 2,069,000 | 2,523,000 | 2,811,000 |
| Securities available for sale | 28,990,000 | 26,621,000 | 26,888,000 | 24,675,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,918,000 | 157,905,000 | 160,639,000 | 155,254,000 |
| Interest-bearing deposits | 133,279,000 | 134,552,000 | 138,184,000 | 133,253,000 |
| Noninterest-bearing deposits | 24,639,000 | 23,353,000 | 22,455,000 | 22,001,000 |
| Equity capital | 18,374,000 | 18,301,000 | 17,370,000 | 17,710,000 |
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 | 3,126,000 | 6,160,000 | 9,160,000 | 12,088,000 |
| Interest expense | 1,396,000 | 2,590,000 | 3,798,000 | 4,931,000 |
| Net interest income | 1,730,000 | 3,570,000 | 5,362,000 | 7,157,000 |
| Noninterest income | 583,000 | 1,234,000 | 1,801,000 | 2,139,000 |
| Noninterest expense | 1,896,000 | 3,632,000 | 5,415,000 | 7,117,000 |
| Provision for loan losses | 3,000 | 103,000 | 600,000 | 907,000 |
| Pretax income | 414,000 | 1,095,000 | 204,000 | 315,000 |
| Income tax | 20,000 | 41,000 | 61,000 | 56,000 |
| Net income | 394,000 | 1,054,000 | 143,000 | 259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,867,000 | 18,210,000 | 17,360,000 | 17,429,000 |
| Total capital | 20,114,000 | 20,279,000 | 19,621,000 | 19,611,000 |
| Risk-weighted assets | 178,869,000 | 179,551,000 | 179,892,000 | 173,139,000 |