Call reports 2008
IOWA SAVINGS BANK — 2008
What IOWA SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 159,638,000 | 155,084,000 | 148,669,000 | 155,789,000 |
| Total loans | 104,092,000 | 103,279,000 | 93,955,000 | 93,006,000 |
| Allowance for loan losses | 1,189,000 | 2,593,000 | 2,239,000 | 1,990,000 |
| Securities available for sale | 36,010,000 | 33,823,000 | 37,977,000 | 39,838,000 |
| Securities held to maturity | 684,000 | 556,000 | 556,000 | 532,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,147,000 | 143,823,000 | 135,874,000 | 142,012,000 |
| Interest-bearing deposits | 132,504,000 | 129,501,000 | 123,751,000 | 121,934,000 |
| Noninterest-bearing deposits | 13,643,000 | 14,322,000 | 12,122,000 | 20,078,000 |
| Equity capital | 11,886,000 | 9,905,000 | 11,278,000 | 12,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,182,000 | 4,032,000 | 6,002,000 | 7,991,000 |
| Interest expense | 980,000 | 1,807,000 | 2,519,000 | 3,115,000 |
| Net interest income | 1,202,000 | 2,225,000 | 3,483,000 | 4,876,000 |
| Noninterest income | 314,000 | 577,000 | 863,000 | 1,120,000 |
| Noninterest expense | 978,000 | 1,931,000 | 2,879,000 | 3,842,000 |
| Provision for loan losses | 90,000 | 1,845,000 | 1,875,000 | 2,082,000 |
| Pretax income | 448,000 | -974,000 | -408,000 | 76,000 |
| Income tax | 25,000 | 49,000 | 73,000 | 12,000 |
| Net income | 423,000 | -1,023,000 | -481,000 | 64,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,248,000 | 9,722,000 | 11,005,000 | 11,467,000 |
| Total capital | 12,437,000 | 11,127,000 | 12,323,000 | 12,804,000 |
| Risk-weighted assets | 112,558,000 | 111,228,000 | 104,556,000 | 106,090,000 |