Call reports 2007
IOWA SAVINGS BANK — 2007
What IOWA SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 158,925,000 | 154,932,000 | 149,525,000 | 156,298,000 |
| Total loans | 118,239,000 | 116,229,000 | 114,603,000 | 105,329,000 |
| Allowance for loan losses | 1,317,000 | 1,447,000 | 1,543,000 | 1,277,000 |
| Securities available for sale | 18,028,000 | 22,228,000 | 21,314,000 | 22,311,000 |
| Securities held to maturity | 772,000 | 720,000 | 720,000 | 694,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,133,000 | 140,786,000 | 135,189,000 | 142,879,000 |
| Interest-bearing deposits | 132,919,000 | 130,641,000 | 123,555,000 | 125,178,000 |
| Noninterest-bearing deposits | 11,214,000 | 10,145,000 | 11,634,000 | 17,701,000 |
| Equity capital | 11,915,000 | 11,832,000 | 12,314,000 | 11,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,375,000 | 4,906,000 | 7,366,000 | 9,623,000 |
| Interest expense | 1,169,000 | 2,363,000 | 3,494,000 | 4,575,000 |
| Net interest income | 1,206,000 | 2,543,000 | 3,872,000 | 5,048,000 |
| Noninterest income | 240,000 | 503,000 | 743,000 | 1,120,000 |
| Noninterest expense | 984,000 | 1,959,000 | 2,890,000 | 3,893,000 |
| Provision for loan losses | 90,000 | 270,000 | 360,000 | 1,950,000 |
| Pretax income | 372,000 | 817,000 | 1,365,000 | 325,000 |
| Income tax | 27,000 | 53,000 | 81,000 | 16,000 |
| Net income | 345,000 | 764,000 | 1,284,000 | 309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,725,000 | 11,751,000 | 11,990,000 | 10,908,000 |
| Total capital | 13,042,000 | 13,198,000 | 13,465,000 | 12,185,000 |
| Risk-weighted assets | 121,059,000 | 119,923,000 | 117,908,000 | 113,398,000 |