Call reports 2004
IOWA SAVINGS BANK — 2004
What IOWA SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 137,235,000 | 139,286,000 | 140,688,000 | 145,941,000 |
| Total loans | 95,373,000 | 98,801,000 | 99,225,000 | 97,831,000 |
| Allowance for loan losses | 1,408,000 | 1,425,000 | 1,161,000 | 1,154,000 |
| Securities available for sale | 21,288,000 | 27,461,000 | 27,212,000 | 25,536,000 |
| Securities held to maturity | 684,000 | 957,000 | 958,000 | 939,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,845,000 | 125,213,000 | 123,839,000 | 131,895,000 |
| Interest-bearing deposits | 111,528,000 | 115,025,000 | 112,572,000 | 113,332,000 |
| Noninterest-bearing deposits | 11,317,000 | 10,188,000 | 11,267,000 | 18,563,000 |
| Equity capital | 11,641,000 | 10,958,000 | 11,407,000 | 11,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,599,000 | 3,179,000 | 4,824,000 | 6,523,000 |
| Interest expense | 451,000 | 921,000 | 1,410,000 | 1,898,000 |
| Net interest income | 1,148,000 | 2,258,000 | 3,414,000 | 4,625,000 |
| Noninterest income | 265,000 | 505,000 | 802,000 | 937,000 |
| Noninterest expense | 931,000 | 1,818,000 | 2,663,000 | 3,628,000 |
| Provision for loan losses | 45,000 | 90,000 | 335,000 | 380,000 |
| Pretax income | 437,000 | 855,000 | 1,218,000 | 1,554,000 |
| Income tax | 27,000 | 54,000 | 81,000 | 87,000 |
| Net income | 410,000 | 801,000 | 1,137,000 | 1,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,148,000 | 10,147,000 | 10,775,000 | 10,622,000 |
| Total capital | 11,342,000 | 11,383,000 | 11,936,000 | 11,776,000 |
| Risk-weighted assets | 95,277,000 | 98,703,000 | 99,220,000 | 99,385,000 |