Call reports 2006
IOWA SAVINGS BANK — 2006
What IOWA SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 143,774,000 | 152,209,000 | 155,429,000 | 154,633,000 |
| Total loans | 108,058,000 | 116,347,000 | 118,567,000 | 116,112,000 |
| Allowance for loan losses | 1,340,000 | 1,585,000 | 1,526,000 | 1,596,000 |
| Securities available for sale | 24,868,000 | 24,751,000 | 25,045,000 | 23,124,000 |
| Securities held to maturity | 815,000 | 803,000 | 803,000 | 777,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,178,000 | 129,151,000 | 130,775,000 | 139,977,000 |
| Interest-bearing deposits | 118,992,000 | 119,014,000 | 120,409,000 | 126,477,000 |
| Noninterest-bearing deposits | 10,186,000 | 10,137,000 | 10,366,000 | 13,500,000 |
| Equity capital | 11,911,000 | 11,503,000 | 11,999,000 | 11,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,127,000 | 4,423,000 | 6,814,000 | 9,227,000 |
| Interest expense | 814,000 | 1,767,000 | 2,885,000 | 4,055,000 |
| Net interest income | 1,313,000 | 2,656,000 | 3,929,000 | 5,172,000 |
| Noninterest income | 221,000 | 527,000 | 829,000 | 1,189,000 |
| Noninterest expense | 974,000 | 1,900,000 | 2,845,000 | 3,799,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 225,000 |
| Pretax income | 515,000 | 1,193,000 | 1,778,000 | 2,337,000 |
| Income tax | 27,000 | 53,000 | 82,000 | 111,000 |
| Net income | 488,000 | 1,140,000 | 1,696,000 | 2,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,023,000 | 11,725,000 | 11,942,000 | 11,462,000 |
| Total capital | 13,363,000 | 13,168,000 | 13,423,000 | 12,934,000 |
| Risk-weighted assets | 110,226,000 | 115,298,000 | 118,420,000 | 117,657,000 |