Call reports 2008
IOWA TRUST AND SAVINGS BANK — 2008
What IOWA TRUST AND SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 140,503,000 | 141,221,000 | 136,155,000 | 142,051,000 |
| Total loans | 85,525,000 | 80,261,000 | 80,343,000 | 81,705,000 |
| Allowance for loan losses | 961,000 | 976,000 | 972,000 | 966,000 |
| Securities available for sale | 44,770,000 | 54,258,000 | 51,383,000 | 55,530,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,598,000 | 114,453,000 | 107,316,000 | 106,561,000 |
| Interest-bearing deposits | 103,256,000 | 102,543,000 | 96,682,000 | 94,987,000 |
| Noninterest-bearing deposits | 10,342,000 | 11,910,000 | 10,634,000 | 11,574,000 |
| Equity capital | 16,270,000 | 15,476,000 | 16,035,000 | 17,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,050,000 | 4,130,000 | 6,231,000 | 8,325,000 |
| Interest expense | 788,000 | 1,470,000 | 2,090,000 | 2,675,000 |
| Net interest income | 1,262,000 | 2,660,000 | 4,141,000 | 5,650,000 |
| Noninterest income | 149,000 | 308,000 | 472,000 | 620,000 |
| Noninterest expense | 813,000 | 1,567,000 | 2,398,000 | 3,183,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 598,000 | 1,401,000 | 2,212,000 | 3,068,000 |
| Income tax | 30,000 | 70,000 | 111,000 | 153,000 |
| Net income | 568,000 | 1,331,000 | 2,101,000 | 2,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,268,000 | 15,481,000 | 15,851,000 | 16,364,000 |
| Total capital | 16,229,000 | 16,457,000 | 16,823,000 | 17,330,000 |
| Risk-weighted assets | 87,304,000 | 87,338,000 | 88,613,000 | 88,888,000 |