Call reports 2003
IOWA TRUST AND SAVINGS BANK — 2003
What IOWA TRUST AND SAVINGS 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 | 133,919,000 | 129,625,000 | 132,056,000 | 135,712,000 |
| Total loans | 61,923,000 | 62,150,000 | 63,138,000 | 62,195,000 |
| Allowance for loan losses | 905,000 | 854,000 | 972,000 | 978,000 |
| Securities available for sale | 57,130,000 | 62,810,000 | 64,268,000 | 65,623,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,767,000 | 99,296,000 | 98,834,000 | 101,091,000 |
| Interest-bearing deposits | 97,800,000 | 91,131,000 | 91,456,000 | 93,305,000 |
| Noninterest-bearing deposits | 7,967,000 | 8,165,000 | 7,378,000 | 7,786,000 |
| Equity capital | 16,257,000 | 16,270,000 | 15,945,000 | 16,257,000 |
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 | 1,757,000 | 3,453,000 | 5,109,000 | 6,880,000 |
| Interest expense | 549,000 | 1,041,000 | 1,485,000 | 1,928,000 |
| Net interest income | 1,208,000 | 2,412,000 | 3,624,000 | 4,952,000 |
| Noninterest income | 152,000 | 320,000 | 470,000 | 647,000 |
| Noninterest expense | 676,000 | 1,405,000 | 2,113,000 | 2,846,000 |
| Provision for loan losses | 45,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 641,000 | 1,253,000 | 1,893,000 | 2,665,000 |
| Income tax | 32,000 | 63,000 | 95,000 | 133,000 |
| Net income | 609,000 | 1,190,000 | 1,798,000 | 2,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,179,000 | 14,192,000 | 14,479,000 | 14,893,000 |
| Total capital | 14,972,000 | 14,981,000 | 15,294,000 | 15,708,000 |
| Risk-weighted assets | 63,365,000 | 63,085,000 | 65,060,000 | 65,043,000 |