Call reports 2004
IOWA TRUST AND SAVINGS BANK — 2004
What IOWA TRUST AND SAVINGS 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 | 134,865,000 | 131,804,000 | 132,326,000 | 131,067,000 |
| Total loans | 62,618,000 | 66,563,000 | 68,376,000 | 68,780,000 |
| Allowance for loan losses | 984,000 | 987,000 | 985,000 | 981,000 |
| Securities available for sale | 66,208,000 | 61,281,000 | 54,942,000 | 54,435,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,296,000 | 99,320,000 | 100,132,000 | 100,774,000 |
| Interest-bearing deposits | 94,032,000 | 91,212,000 | 91,327,000 | 91,549,000 |
| Noninterest-bearing deposits | 8,264,000 | 8,108,000 | 8,805,000 | 9,225,000 |
| Equity capital | 16,071,000 | 14,916,000 | 15,800,000 | 15,725,000 |
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 | 1,692,000 | 3,377,000 | 5,055,000 | 6,712,000 |
| Interest expense | 432,000 | 858,000 | 1,284,000 | 1,723,000 |
| Net interest income | 1,260,000 | 2,519,000 | 3,771,000 | 4,989,000 |
| Noninterest income | 148,000 | 316,000 | 467,000 | 629,000 |
| Noninterest expense | 699,000 | 1,420,000 | 2,093,000 | 2,842,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 704,000 | 1,415,000 | 2,146,000 | 2,777,000 |
| Income tax | 34,000 | 71,000 | 107,000 | 139,000 |
| Net income | 670,000 | 1,344,000 | 2,039,000 | 2,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,563,000 | 14,631,000 | 15,027,000 | 15,325,000 |
| Total capital | 15,377,000 | 15,479,000 | 15,896,000 | 16,195,000 |
| Risk-weighted assets | 64,924,000 | 67,757,000 | 69,454,000 | 69,452,000 |