Call reports 2009
IOWA SAVINGS BANK — 2009
What IOWA SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 150,922,000 | 150,624,000 | 148,289,000 | 156,135,000 |
| Total loans | 88,474,000 | 83,270,000 | 82,357,000 | 81,212,000 |
| Allowance for loan losses | 2,232,000 | 1,787,000 | 1,795,000 | 1,926,000 |
| Securities available for sale | 36,173,000 | 46,889,000 | 46,012,000 | 46,245,000 |
| Securities held to maturity | 527,000 | 454,000 | 454,000 | 423,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,045,000 | 136,771,000 | 134,048,000 | 141,803,000 |
| Interest-bearing deposits | 123,684,000 | 125,023,000 | 121,715,000 | 124,154,000 |
| Noninterest-bearing deposits | 13,361,000 | 11,748,000 | 12,332,000 | 17,649,000 |
| Equity capital | 12,678,000 | 12,718,000 | 13,506,000 | 13,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,830,000 | 3,435,000 | 5,214,000 | 6,951,000 |
| Interest expense | 486,000 | 916,000 | 1,306,000 | 1,664,000 |
| Net interest income | 1,344,000 | 2,519,000 | 3,908,000 | 5,287,000 |
| Noninterest income | 203,000 | 541,000 | 774,000 | 1,090,000 |
| Noninterest expense | 1,039,000 | 2,113,000 | 3,181,000 | 4,363,000 |
| Provision for loan losses | 242,000 | 332,000 | 332,000 | 356,000 |
| Pretax income | 266,000 | 615,000 | 1,169,000 | 1,658,000 |
| Income tax | 24,000 | 48,000 | 72,000 | 80,000 |
| Net income | 242,000 | 567,000 | 1,087,000 | 1,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,617,000 | 11,826,000 | 12,248,000 | 12,615,000 |
| Total capital | 12,886,000 | 13,025,000 | 13,429,000 | 13,779,000 |
| Risk-weighted assets | 100,444,000 | 95,348,000 | 93,849,000 | 92,393,000 |