Call reports 2004
IOWA STATE BANK — 2004
What IOWA STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 99,783,000 | 101,378,000 | 98,533,000 | 102,269,000 |
| Total loans | 51,413,000 | 52,821,000 | 52,460,000 | 56,156,000 |
| Allowance for loan losses | 1,230,000 | 1,230,000 | 1,230,000 | 1,172,000 |
| Securities available for sale | 31,791,000 | 38,675,000 | 38,225,000 | 39,084,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,409,000 | 86,666,000 | 83,317,000 | 87,564,000 |
| Interest-bearing deposits | 81,296,000 | 83,437,000 | 80,125,000 | 82,651,000 |
| Noninterest-bearing deposits | 3,113,000 | 3,229,000 | 3,192,000 | 4,913,000 |
| Equity capital | 13,768,000 | 13,361,000 | 13,805,000 | 13,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,148,000 | 2,293,000 | 3,436,000 | 4,591,000 |
| Interest expense | 569,000 | 1,157,000 | 1,755,000 | 2,381,000 |
| Net interest income | 579,000 | 1,136,000 | 1,681,000 | 2,210,000 |
| Noninterest income | 6,000 | 11,000 | 22,000 | 28,000 |
| Noninterest expense | 230,000 | 449,000 | 748,000 | 1,108,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 355,000 | 698,000 | 955,000 | 1,130,000 |
| Income tax | 103,000 | 205,000 | 308,000 | 411,000 |
| Net income | 252,000 | 493,000 | 647,000 | 719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,443,000 | 13,624,000 | 13,777,000 | 13,489,000 |
| Total capital | 14,197,000 | 14,402,000 | 14,549,000 | 14,303,000 |
| Risk-weighted assets | 59,809,000 | 61,770,000 | 61,280,000 | 64,788,000 |