Call reports 2005
IOWA TRUST AND SAVINGS BANK — 2005
What IOWA TRUST AND SAVINGS 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 | 130,447,000 | 127,861,000 | 126,745,000 | 127,093,000 |
| Total loans | 70,160,000 | 72,979,000 | 74,539,000 | 75,167,000 |
| Allowance for loan losses | 988,000 | 981,000 | 978,000 | 976,000 |
| Securities available for sale | 55,682,000 | 48,010,000 | 47,578,000 | 47,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,072,000 | 99,201,000 | 97,159,000 | 96,940,000 |
| Interest-bearing deposits | 94,078,000 | 90,283,000 | 88,480,000 | 87,725,000 |
| Noninterest-bearing deposits | 8,994,000 | 8,918,000 | 8,679,000 | 9,215,000 |
| Equity capital | 14,713,000 | 15,109,000 | 14,909,000 | 14,947,000 |
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 | 1,660,000 | 3,326,000 | 4,859,000 | 6,541,000 |
| Interest expense | 459,000 | 946,000 | 1,488,000 | 2,038,000 |
| Net interest income | 1,201,000 | 2,380,000 | 3,371,000 | 4,503,000 |
| Noninterest income | 116,000 | 285,000 | 460,000 | 632,000 |
| Noninterest expense | 671,000 | 1,417,000 | 2,132,000 | 2,846,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 646,000 | 1,266,000 | 1,728,000 | 2,294,000 |
| Income tax | 33,000 | 63,000 | 86,000 | 115,000 |
| Net income | 613,000 | 1,203,000 | 1,642,000 | 2,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,938,000 | 14,983,000 | 15,222,000 | 15,533,000 |
| Total capital | 15,818,000 | 15,860,000 | 16,128,000 | 16,436,000 |
| Risk-weighted assets | 70,253,000 | 70,693,000 | 72,419,000 | 73,146,000 |