Call reports 2016
IOWA TRUST AND SAVINGS BANK — 2016
What IOWA TRUST AND SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 176,837,000 | 176,254,000 | 174,957,000 | 178,494,000 |
| Total loans | 83,728,000 | 85,889,000 | 89,386,000 | 88,546,000 |
| Allowance for loan losses | 959,000 | 959,000 | 979,000 | 1,009,000 |
| Securities available for sale | 84,839,000 | 84,987,000 | 77,205,000 | 80,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,699,000 | 131,789,000 | 132,921,000 | 136,258,000 |
| Interest-bearing deposits | 113,722,000 | 111,111,000 | 111,913,000 | 113,850,000 |
| Noninterest-bearing deposits | 20,977,000 | 20,678,000 | 21,008,000 | 22,408,000 |
| Equity capital | 18,761,000 | 19,241,000 | 19,424,000 | 17,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,443,000 | 2,906,000 | 4,352,000 | 5,791,000 |
| Interest expense | 128,000 | 255,000 | 380,000 | 502,000 |
| Net interest income | 1,315,000 | 2,651,000 | 3,972,000 | 5,289,000 |
| Noninterest income | 160,000 | 328,000 | 504,000 | 673,000 |
| Noninterest expense | 816,000 | 1,672,000 | 2,556,000 | 3,414,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 50,000 |
| Pretax income | 659,000 | 1,341,000 | 1,951,000 | 2,590,000 |
| Income tax | 32,000 | 66,000 | 96,000 | 127,000 |
| Net income | 627,000 | 1,275,000 | 1,855,000 | 2,463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,713,000 | 18,260,000 | 18,291,000 | 18,299,000 |
| Total capital | 19,672,000 | 19,219,000 | 19,270,000 | 19,308,000 |
| Risk-weighted assets | 133,409,000 | 131,380,000 | 127,966,000 | 131,461,000 |