Call reports 2003
IOWA SAVINGS BANK — 2003
What IOWA SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 131,741,000 | 133,028,000 | 130,352,000 | 136,130,000 |
| Total loans | 94,920,000 | 97,525,000 | 102,221,000 | 102,879,000 |
| Allowance for loan losses | 1,260,000 | 1,303,000 | 1,347,000 | 1,363,000 |
| Securities available for sale | 20,506,000 | 17,070,000 | 14,968,000 | 13,644,000 |
| Securities held to maturity | 639,000 | 719,000 | 709,000 | 689,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,477,000 | 116,747,000 | 115,750,000 | 121,866,000 |
| Interest-bearing deposits | 104,726,000 | 104,383,000 | 106,520,000 | 108,433,000 |
| Noninterest-bearing deposits | 10,751,000 | 12,364,000 | 9,230,000 | 13,433,000 |
| Equity capital | 11,310,000 | 11,525,000 | 11,268,000 | 11,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,668,000 | 3,349,000 | 4,996,000 | 6,655,000 |
| Interest expense | 552,000 | 1,068,000 | 1,557,000 | 2,027,000 |
| Net interest income | 1,116,000 | 2,281,000 | 3,439,000 | 4,628,000 |
| Noninterest income | 239,000 | 576,000 | 860,000 | 1,140,000 |
| Noninterest expense | 832,000 | 1,644,000 | 2,594,000 | 3,533,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 478,000 | 1,123,000 | 1,570,000 | 2,055,000 |
| Income tax | 27,000 | 55,000 | 82,000 | 108,000 |
| Net income | 451,000 | 1,068,000 | 1,488,000 | 1,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,599,000 | 9,778,000 | 9,789,000 | 10,035,000 |
| Total capital | 10,790,000 | 11,004,000 | 11,055,000 | 11,299,000 |
| Risk-weighted assets | 95,211,000 | 97,971,000 | 101,211,000 | 101,060,000 |