Call reports 2003
IOWA TRUST & SAVINGS BANK — 2003
What IOWA TRUST & SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 85,971,000 | 84,033,000 | 82,794,000 | 83,754,000 |
| Total loans | 56,740,000 | 55,507,000 | 55,473,000 | 53,105,000 |
| Allowance for loan losses | 1,172,000 | 1,173,000 | 1,171,000 | 1,138,000 |
| Securities available for sale | 14,285,000 | 15,163,000 | 16,384,000 | 21,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,701,000 | 72,300,000 | 72,599,000 | 73,924,000 |
| Interest-bearing deposits | 64,102,000 | 62,068,000 | 62,599,000 | 60,959,000 |
| Noninterest-bearing deposits | 9,599,000 | 10,232,000 | 10,000,000 | 12,965,000 |
| Equity capital | 8,341,000 | 8,650,000 | 8,851,000 | 8,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,203,000 | 2,418,000 | 3,583,000 | 4,710,000 |
| Interest expense | 401,000 | 787,000 | 1,110,000 | 1,385,000 |
| Net interest income | 802,000 | 1,631,000 | 2,473,000 | 3,325,000 |
| Noninterest income | 58,000 | 67,000 | 143,000 | 216,000 |
| Noninterest expense | 536,000 | 1,028,000 | 1,528,000 | 2,078,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 340,000 | 686,000 | 1,104,000 | 1,479,000 |
| Income tax | 109,000 | 223,000 | 368,000 | 499,000 |
| Net income | 231,000 | 463,000 | 736,000 | 980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,999,000 | 7,231,000 | 7,506,000 | 7,299,000 |
| Total capital | 7,765,000 | 7,980,000 | 8,258,000 | 8,030,000 |
| Risk-weighted assets | 60,847,000 | 59,467,000 | 59,732,000 | 58,101,000 |