Call reports 2007
IOWA TRUST AND SAVINGS BANK — 2007
What IOWA TRUST AND SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 137,497,000 | 137,113,000 | 134,723,000 | 136,705,000 |
| Total loans | 80,760,000 | 82,275,000 | 83,556,000 | 84,038,000 |
| Allowance for loan losses | 975,000 | 968,000 | 968,000 | 961,000 |
| Securities available for sale | 45,530,000 | 49,575,000 | 45,482,000 | 44,943,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,521,000 | 111,078,000 | 109,499,000 | 110,919,000 |
| Interest-bearing deposits | 100,249,000 | 100,340,000 | 99,263,000 | 100,912,000 |
| Noninterest-bearing deposits | 11,272,000 | 10,738,000 | 10,236,000 | 10,007,000 |
| Equity capital | 14,593,000 | 14,062,000 | 15,130,000 | 15,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,014,000 | 4,118,000 | 6,253,000 | 8,380,000 |
| Interest expense | 871,000 | 1,784,000 | 2,692,000 | 3,570,000 |
| Net interest income | 1,143,000 | 2,334,000 | 3,561,000 | 4,810,000 |
| Noninterest income | 154,000 | 343,000 | 503,000 | 685,000 |
| Noninterest expense | 791,000 | 1,544,000 | 2,350,000 | 3,154,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 506,000 | 1,106,000 | 1,601,000 | 2,203,000 |
| Income tax | 25,000 | 56,000 | 80,000 | 110,000 |
| Net income | 481,000 | 1,050,000 | 1,521,000 | 2,093,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,993,000 | 15,097,000 | 15,376,000 | 15,700,000 |
| Total capital | 15,943,000 | 16,065,000 | 16,344,000 | 16,661,000 |
| Risk-weighted assets | 80,833,000 | 82,443,000 | 83,700,000 | 83,965,000 |