Call reports 2014
IOWA SAVINGS BANK — 2014
What IOWA SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 185,372,000 | 179,697,000 | 172,485,000 | 184,004,000 |
| Total loans | 108,435,000 | 110,405,000 | 109,584,000 | 107,205,000 |
| Allowance for loan losses | 1,976,000 | 2,021,000 | 1,797,000 | 1,879,000 |
| Securities available for sale | 51,335,000 | 47,832,000 | 45,123,000 | 45,497,000 |
| Securities held to maturity | 2,972,000 | 2,887,000 | 2,887,000 | 2,706,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,950,000 | 157,974,000 | 152,908,000 | 165,902,000 |
| Interest-bearing deposits | 143,513,000 | 138,797,000 | 134,779,000 | 143,153,000 |
| Noninterest-bearing deposits | 23,437,000 | 19,177,000 | 18,129,000 | 22,749,000 |
| Equity capital | 15,330,000 | 15,669,000 | 15,489,000 | 15,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,363,000 | 2,785,000 | 4,211,000 | 5,640,000 |
| Interest expense | 139,000 | 274,000 | 408,000 | 539,000 |
| Net interest income | 1,224,000 | 2,511,000 | 3,803,000 | 5,101,000 |
| Noninterest income | 279,000 | 604,000 | 885,000 | 1,319,000 |
| Noninterest expense | 1,088,000 | 2,179,000 | 3,275,000 | 4,393,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 210,000 |
| Pretax income | 370,000 | 846,000 | 1,278,000 | 1,817,000 |
| Income tax | 20,000 | 41,000 | 62,000 | 83,000 |
| Net income | 350,000 | 805,000 | 1,216,000 | 1,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,115,000 | 15,237,000 | 15,180,000 | 15,222,000 |
| Total capital | 16,605,000 | 16,731,000 | 16,728,000 | 16,748,000 |
| Risk-weighted assets | 122,099,000 | 123,428,000 | 123,580,000 | 121,732,000 |