Call reports 2006
IOWA TRUST & SAVINGS BANK — 2006
What IOWA TRUST & SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 91,437,000 | 91,006,000 | 95,750,000 | 100,146,000 |
| Total loans | 61,971,000 | 65,612,000 | 68,231,000 | 68,479,000 |
| Allowance for loan losses | 986,000 | 995,000 | 995,000 | 990,000 |
| Securities available for sale | 18,476,000 | 18,783,000 | 19,546,000 | 19,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,562,000 | 77,814,000 | 77,447,000 | 88,461,000 |
| Interest-bearing deposits | 64,842,000 | 62,500,000 | 60,879,000 | 72,637,000 |
| Noninterest-bearing deposits | 14,720,000 | 15,314,000 | 16,568,000 | 15,824,000 |
| Equity capital | 9,531,000 | 9,751,000 | 10,255,000 | 10,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,327,000 | 2,757,000 | 4,299,000 | 5,890,000 |
| Interest expense | 456,000 | 938,000 | 1,492,000 | 2,111,000 |
| Net interest income | 871,000 | 1,819,000 | 2,807,000 | 3,779,000 |
| Noninterest income | 108,000 | 237,000 | 318,000 | 476,000 |
| Noninterest expense | 596,000 | 1,215,000 | 1,818,000 | 2,443,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 372,000 | 830,000 | 1,296,000 | 1,801,000 |
| Income tax | 115,000 | 260,000 | 404,000 | 564,000 |
| Net income | 257,000 | 570,000 | 892,000 | 1,237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,535,000 | 8,849,000 | 9,165,000 | 9,160,000 |
| Total capital | 9,411,000 | 9,781,000 | 10,150,000 | 10,118,000 |
| Risk-weighted assets | 69,961,000 | 74,462,000 | 78,813,000 | 76,639,000 |