Call reports 2002
IOWA TRUST & SAVINGS BANK — 2002
What IOWA TRUST & SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 78,927,000 | 80,222,000 | 82,371,000 | 82,666,000 |
| Total loans | 60,905,000 | 63,176,000 | 62,547,000 | 57,592,000 |
| Allowance for loan losses | 840,000 | 1,142,000 | 1,175,000 | 1,174,000 |
| Securities available for sale | 9,649,000 | 9,879,000 | 9,294,000 | 11,658,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,061,000 | 68,284,000 | 70,123,000 | 70,687,000 |
| Interest-bearing deposits | 58,522,000 | 58,257,000 | 60,835,000 | 60,397,000 |
| Noninterest-bearing deposits | 8,539,000 | 10,027,000 | 9,288,000 | 10,290,000 |
| Equity capital | 7,756,000 | 7,959,000 | 8,247,000 | 8,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,327,000 | 2,713,000 | 4,095,000 | 5,400,000 |
| Interest expense | 467,000 | 923,000 | 1,358,000 | 1,797,000 |
| Net interest income | 860,000 | 1,790,000 | 2,737,000 | 3,603,000 |
| Noninterest income | 70,000 | 149,000 | 229,000 | 298,000 |
| Noninterest expense | 460,000 | 999,000 | 1,587,000 | 2,175,000 |
| Provision for loan losses | 45,000 | 345,000 | 415,000 | 415,000 |
| Pretax income | 425,000 | 595,000 | 964,000 | 1,308,000 |
| Income tax | 137,000 | 191,000 | 314,000 | 427,000 |
| Net income | 288,000 | 404,000 | 650,000 | 881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,525,000 | 6,641,000 | 6,886,000 | 6,769,000 |
| Total capital | 7,304,000 | 7,447,000 | 7,697,000 | 7,536,000 |
| Risk-weighted assets | 62,298,000 | 64,148,000 | 64,481,000 | 60,959,000 |