Call reports 2005
IOWA STATE BANK — 2005
What IOWA STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 103,941,000 | 103,532,000 | 102,765,000 | 106,612,000 |
| Total loans | 53,274,000 | 52,547,000 | 53,235,000 | 61,541,000 |
| Allowance for loan losses | 1,258,000 | 1,258,000 | 1,258,000 | 1,257,000 |
| Securities available for sale | 42,896,000 | 42,760,000 | 40,758,000 | 40,218,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,450,000 | 88,826,000 | 88,172,000 | 90,158,000 |
| Interest-bearing deposits | 86,096,000 | 85,361,000 | 84,486,000 | 84,719,000 |
| Noninterest-bearing deposits | 3,354,000 | 3,465,000 | 3,686,000 | 5,439,000 |
| Equity capital | 13,294,000 | 13,473,000 | 13,478,000 | 13,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,186,000 | 2,394,000 | 3,604,000 | 4,886,000 |
| Interest expense | 664,000 | 1,388,000 | 2,136,000 | 2,919,000 |
| Net interest income | 522,000 | 1,006,000 | 1,468,000 | 1,967,000 |
| Noninterest income | 5,000 | 12,000 | 23,000 | 29,000 |
| Noninterest expense | 252,000 | 537,000 | 847,000 | 1,160,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 275,000 | 481,000 | 644,000 | 836,000 |
| Income tax | 36,000 | 129,000 | 222,000 | 192,000 |
| Net income | 239,000 | 352,000 | 422,000 | 644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,728,000 | 13,781,000 | 13,852,000 | 13,713,000 |
| Total capital | 14,519,000 | 14,561,000 | 14,632,000 | 14,579,000 |
| Risk-weighted assets | 62,820,000 | 61,888,000 | 61,894,000 | 68,919,000 |