Call reports 2006
IOWA TRUST AND SAVINGS BANK — 2006
What IOWA TRUST AND SAVINGS 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 | 128,791,000 | 126,829,000 | 127,837,000 | 133,069,000 |
| Total loans | 75,911,000 | 76,566,000 | 77,308,000 | 79,203,000 |
| Allowance for loan losses | 993,000 | 999,000 | 1,000,000 | 972,000 |
| Securities available for sale | 48,375,000 | 45,460,000 | 44,555,000 | 43,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,625,000 | 101,982,000 | 103,297,000 | 107,173,000 |
| Interest-bearing deposits | 90,755,000 | 92,027,000 | 93,514,000 | 97,060,000 |
| Noninterest-bearing deposits | 9,870,000 | 9,955,000 | 9,783,000 | 10,113,000 |
| Equity capital | 14,209,000 | 13,633,000 | 14,746,000 | 15,156,000 |
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 | 1,742,000 | 3,555,000 | 5,428,000 | 7,418,000 |
| Interest expense | 615,000 | 1,317,000 | 2,088,000 | 2,928,000 |
| Net interest income | 1,127,000 | 2,238,000 | 3,340,000 | 4,490,000 |
| Noninterest income | 162,000 | 356,000 | 535,000 | 668,000 |
| Noninterest expense | 719,000 | 1,434,000 | 2,243,000 | 3,021,000 |
| Provision for loan losses | 15,000 | 20,000 | 20,000 | 0 |
| Pretax income | 555,000 | 1,140,000 | 1,600,000 | 2,125,000 |
| Income tax | 28,000 | 57,000 | 80,000 | 106,000 |
| Net income | 527,000 | 1,083,000 | 1,520,000 | 2,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,059,000 | 15,154,000 | 15,344,000 | 15,661,000 |
| Total capital | 15,960,000 | 16,061,000 | 16,248,000 | 16,592,000 |
| Risk-weighted assets | 73,880,000 | 73,970,000 | 75,724,000 | 75,772,000 |