Call reports 2005
IOWA SAVINGS BANK — 2005
What IOWA SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 136,704,000 | 141,434,000 | 146,280,000 | 145,223,000 |
| Total loans | 91,953,000 | 98,378,000 | 106,398,000 | 108,939,000 |
| Allowance for loan losses | 1,209,000 | 1,253,000 | 1,295,000 | 1,319,000 |
| Securities available for sale | 29,896,000 | 30,723,000 | 27,471,000 | 23,260,000 |
| Securities held to maturity | 934,000 | 850,000 | 850,000 | 825,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,691,000 | 121,814,000 | 120,037,000 | 125,723,000 |
| Interest-bearing deposits | 111,122,000 | 109,405,000 | 109,288,000 | 112,025,000 |
| Noninterest-bearing deposits | 11,569,000 | 12,409,000 | 10,749,000 | 13,698,000 |
| Equity capital | 11,151,000 | 11,656,000 | 11,714,000 | 11,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,684,000 | 3,492,000 | 5,447,000 | 7,517,000 |
| Interest expense | 492,000 | 1,066,000 | 1,762,000 | 2,558,000 |
| Net interest income | 1,192,000 | 2,426,000 | 3,685,000 | 4,959,000 |
| Noninterest income | 247,000 | 518,000 | 830,000 | 1,112,000 |
| Noninterest expense | 875,000 | 1,761,000 | 2,650,000 | 3,581,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 519,000 | 1,103,000 | 1,697,000 | 2,277,000 |
| Income tax | 23,000 | 47,000 | 73,000 | 108,000 |
| Net income | 496,000 | 1,056,000 | 1,624,000 | 2,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,137,000 | 11,319,000 | 11,602,000 | 11,603,000 |
| Total capital | 12,301,000 | 12,572,000 | 12,897,000 | 12,922,000 |
| Risk-weighted assets | 93,050,000 | 101,159,000 | 110,766,000 | 112,677,000 |