Call reports 2008
IOWA TRUST & SAVINGS BANK — 2008
What IOWA TRUST & SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 126,874,000 | 130,210,000 | 125,809,000 | 126,034,000 |
| Total loans | 78,988,000 | 78,778,000 | 80,995,000 | 83,330,000 |
| Allowance for loan losses | 1,019,000 | 1,004,000 | 974,000 | 764,000 |
| Securities available for sale | 35,554,000 | 34,091,000 | 33,450,000 | 31,883,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,375,000 | 100,605,000 | 101,795,000 | 103,577,000 |
| Interest-bearing deposits | 83,350,000 | 80,495,000 | 82,101,000 | 83,464,000 |
| Noninterest-bearing deposits | 20,025,000 | 20,110,000 | 19,694,000 | 20,113,000 |
| Equity capital | 13,198,000 | 13,294,000 | 13,742,000 | 13,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,903,000 | 3,718,000 | 5,564,000 | 7,302,000 |
| Interest expense | 658,000 | 1,221,000 | 1,746,000 | 2,197,000 |
| Net interest income | 1,245,000 | 2,497,000 | 3,818,000 | 5,105,000 |
| Noninterest income | 93,000 | 191,000 | 310,000 | 385,000 |
| Noninterest expense | 724,000 | 1,484,000 | 2,288,000 | 3,098,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 60,000 |
| Pretax income | 638,000 | 1,231,000 | 1,857,000 | 2,349,000 |
| Income tax | 183,000 | 374,000 | 571,000 | 715,000 |
| Net income | 455,000 | 857,000 | 1,286,000 | 1,634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,589,000 | 11,032,000 | 11,506,000 | 11,001,000 |
| Total capital | 11,608,000 | 12,036,000 | 12,480,000 | 11,765,000 |
| Risk-weighted assets | 87,520,000 | 89,066,000 | 90,448,000 | 93,199,000 |