Call reports 2016
IOWA SAVINGS BANK — 2016
What IOWA SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 191,215,000 | 193,843,000 | 195,891,000 | 194,676,000 |
| Total loans | 109,437,000 | 110,990,000 | 115,493,000 | 115,281,000 |
| Allowance for loan losses | 2,070,000 | 2,070,000 | 2,070,000 | 2,068,000 |
| Securities available for sale | 61,357,000 | 61,103,000 | 58,387,000 | 54,721,000 |
| Securities held to maturity | 2,368,000 | 2,203,000 | 2,195,000 | 2,014,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,098,000 | 165,924,000 | 169,111,000 | 173,866,000 |
| Interest-bearing deposits | 146,467,000 | 146,343,000 | 149,107,000 | 152,012,000 |
| Noninterest-bearing deposits | 20,631,000 | 19,581,000 | 20,004,000 | 21,853,000 |
| Equity capital | 17,240,000 | 16,807,000 | 16,978,000 | 16,102,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,485,000 | 3,000,000 | 4,555,000 | 6,122,000 |
| Interest expense | 115,000 | 231,000 | 351,000 | 474,000 |
| Net interest income | 1,370,000 | 2,769,000 | 4,204,000 | 5,648,000 |
| Noninterest income | 263,000 | 538,000 | 946,000 | 1,316,000 |
| Noninterest expense | 1,114,000 | 2,156,000 | 3,184,000 | 4,243,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 519,000 | 1,151,000 | 1,966,000 | 2,721,000 |
| Income tax | 26,000 | 52,000 | 82,000 | 131,000 |
| Net income | 493,000 | 1,099,000 | 1,884,000 | 2,590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,710,000 | 15,680,000 | 16,021,000 | 16,320,000 |
| Total capital | 18,309,000 | 17,298,000 | 17,726,000 | 18,031,000 |
| Risk-weighted assets | 127,506,000 | 129,065,000 | 136,078,000 | 136,598,000 |