Call reports 2015
IOWA TRUST & SAVINGS BANK — 2015
What IOWA TRUST & SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 176,105,000 | 172,931,000 | 176,662,000 | 185,781,000 |
| Total loans | 117,568,000 | 116,586,000 | 123,123,000 | 132,137,000 |
| Allowance for loan losses | 1,341,000 | 1,354,000 | 1,342,000 | 1,377,000 |
| Securities available for sale | 47,359,000 | 46,956,000 | 45,005,000 | 41,235,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,704,000 | 134,592,000 | 133,480,000 | 135,813,000 |
| Interest-bearing deposits | 107,365,000 | 104,538,000 | 102,199,000 | 96,472,000 |
| Noninterest-bearing deposits | 32,339,000 | 30,054,000 | 31,281,000 | 39,341,000 |
| Equity capital | 19,139,000 | 19,359,000 | 20,080,000 | 19,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,634,000 | 3,251,000 | 4,890,000 | 6,608,000 |
| Interest expense | 97,000 | 194,000 | 292,000 | 391,000 |
| Net interest income | 1,537,000 | 3,057,000 | 4,598,000 | 6,217,000 |
| Noninterest income | 79,000 | 218,000 | 302,000 | 363,000 |
| Noninterest expense | 883,000 | 1,843,000 | 2,741,000 | 3,662,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 816,000 | 1,519,000 | 2,265,000 | 3,144,000 |
| Income tax | 243,000 | 443,000 | 657,000 | 924,000 |
| Net income | 573,000 | 1,076,000 | 1,608,000 | 2,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,349,000 | 17,851,000 | 18,383,000 | 18,120,000 |
| Total capital | 18,690,000 | 19,205,000 | 19,725,000 | 19,497,000 |
| Risk-weighted assets | 140,683,000 | 136,715,000 | 142,157,000 | 148,295,000 |