Call reports 2005
IOWA TRUST & SAVINGS BANK — 2005
What IOWA TRUST & SAVINGS 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 | 84,250,000 | 86,684,000 | 91,284,000 | 90,647,000 |
| Total loans | 57,441,000 | 61,159,000 | 63,991,000 | 62,701,000 |
| Allowance for loan losses | 1,063,000 | 1,057,000 | 1,044,000 | 1,043,000 |
| Securities available for sale | 19,988,000 | 19,048,000 | 19,149,000 | 18,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,655,000 | 72,915,000 | 73,770,000 | 76,031,000 |
| Interest-bearing deposits | 62,988,000 | 60,434,000 | 60,496,000 | 59,392,000 |
| Noninterest-bearing deposits | 10,667,000 | 12,481,000 | 13,274,000 | 16,639,000 |
| Equity capital | 9,221,000 | 9,491,000 | 9,693,000 | 9,296,000 |
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 | 1,111,000 | 2,342,000 | 3,643,000 | 4,765,000 |
| Interest expense | 296,000 | 637,000 | 1,037,000 | 1,455,000 |
| Net interest income | 815,000 | 1,705,000 | 2,606,000 | 3,310,000 |
| Noninterest income | 128,000 | 227,000 | 335,000 | 480,000 |
| Noninterest expense | 535,000 | 1,092,000 | 1,725,000 | 2,305,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 408,000 | 842,000 | 1,218,000 | 1,457,000 |
| Income tax | 136,000 | 269,000 | 396,000 | 460,000 |
| Net income | 272,000 | 573,000 | 822,000 | 997,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,054,000 | 8,355,000 | 8,604,000 | 8,279,000 |
| Total capital | 8,853,000 | 9,196,000 | 9,489,000 | 9,168,000 |
| Risk-weighted assets | 63,673,000 | 67,088,000 | 70,636,000 | 70,976,000 |