Call reports 2004
IOWA TRUST & SAVINGS BANK — 2004
What IOWA TRUST & SAVINGS 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 | 87,310,000 | 83,925,000 | 86,721,000 | 85,512,000 |
| Total loans | 53,003,000 | 55,417,000 | 56,224,000 | 55,531,000 |
| Allowance for loan losses | 1,128,000 | 1,094,000 | 1,089,000 | 1,063,000 |
| Securities available for sale | 24,209,000 | 22,576,000 | 21,925,000 | 20,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,970,000 | 69,666,000 | 73,530,000 | 73,791,000 |
| Interest-bearing deposits | 65,191,000 | 59,769,000 | 61,537,000 | 58,975,000 |
| Noninterest-bearing deposits | 11,779,000 | 9,897,000 | 11,993,000 | 14,816,000 |
| Equity capital | 8,994,000 | 8,938,000 | 9,415,000 | 8,995,000 |
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 | 1,058,000 | 2,167,000 | 3,293,000 | 4,423,000 |
| Interest expense | 257,000 | 509,000 | 781,000 | 1,057,000 |
| Net interest income | 801,000 | 1,658,000 | 2,512,000 | 3,366,000 |
| Noninterest income | 101,000 | 198,000 | 322,000 | 487,000 |
| Noninterest expense | 510,000 | 1,060,000 | 1,592,000 | 2,159,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 395,000 | 799,000 | 1,229,000 | 1,684,000 |
| Income tax | 134,000 | 260,000 | 390,000 | 554,000 |
| Net income | 261,000 | 539,000 | 839,000 | 1,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,559,000 | 7,838,000 | 8,138,000 | 7,781,000 |
| Total capital | 8,318,000 | 8,617,000 | 8,936,000 | 8,571,000 |
| Risk-weighted assets | 60,326,000 | 62,022,000 | 63,523,000 | 62,902,000 |