Call reports 2015
IOWA SAVINGS BANK — 2015
What IOWA SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 189,034,000 | 184,942,000 | 184,535,000 | 186,839,000 |
| Total loans | 109,248,000 | 112,433,000 | 112,954,000 | 108,509,000 |
| Allowance for loan losses | 1,955,000 | 2,024,000 | 2,070,000 | 2,070,000 |
| Securities available for sale | 56,251,000 | 51,702,000 | 50,483,000 | 57,281,000 |
| Securities held to maturity | 2,706,000 | 2,556,000 | 2,556,000 | 2,375,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,440,000 | 162,431,000 | 162,360,000 | 165,415,000 |
| Interest-bearing deposits | 147,894,000 | 142,877,000 | 144,460,000 | 145,396,000 |
| Noninterest-bearing deposits | 21,546,000 | 19,554,000 | 17,900,000 | 20,019,000 |
| Equity capital | 16,030,000 | 15,827,000 | 16,313,000 | 16,633,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,383,000 | 2,846,000 | 4,331,000 | 5,877,000 |
| Interest expense | 122,000 | 243,000 | 364,000 | 482,000 |
| Net interest income | 1,261,000 | 2,603,000 | 3,967,000 | 5,395,000 |
| Noninterest income | 266,000 | 659,000 | 958,000 | 1,282,000 |
| Noninterest expense | 1,096,000 | 2,197,000 | 3,306,000 | 4,441,000 |
| Provision for loan losses | 75,000 | 130,000 | 175,000 | -251,000 |
| Pretax income | 356,000 | 935,000 | 1,444,000 | 2,487,000 |
| Income tax | 29,000 | 62,000 | 95,000 | 106,000 |
| Net income | 327,000 | 873,000 | 1,349,000 | 2,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,533,000 | 15,680,000 | 15,839,000 | 16,463,000 |
| Total capital | 17,144,000 | 17,309,000 | 17,469,000 | 18,053,000 |
| Risk-weighted assets | 128,583,000 | 129,954,000 | 130,012,000 | 126,746,000 |