Call reports 2005
IOWA STATE BANK — 2005
What IOWA STATE 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 | 243,989,000 | 249,788,000 | 257,716,000 | 269,383,000 |
| Total loans | 167,416,000 | 178,373,000 | 183,478,000 | 189,802,000 |
| Allowance for loan losses | 2,493,000 | 2,548,000 | 2,580,000 | 1,452,000 |
| Securities available for sale | 42,313,000 | 37,819,000 | 40,424,000 | 41,318,000 |
| Securities held to maturity | 19,404,000 | 18,098,000 | 17,376,000 | 16,955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,939,000 | 205,592,000 | 206,239,000 | 214,138,000 |
| Interest-bearing deposits | 178,728,000 | 178,889,000 | 179,636,000 | 182,422,000 |
| Noninterest-bearing deposits | 27,211,000 | 26,703,000 | 26,603,000 | 31,716,000 |
| Equity capital | 22,747,000 | 23,053,000 | 23,490,000 | 23,442,000 |
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 | 3,332,000 | 6,732,000 | 10,208,000 | 13,824,000 |
| Interest expense | 1,247,000 | 2,593,000 | 4,049,000 | 5,639,000 |
| Net interest income | 2,085,000 | 4,139,000 | 6,159,000 | 8,185,000 |
| Noninterest income | 342,000 | 729,000 | 1,119,000 | 1,545,000 |
| Noninterest expense | 1,682,000 | 3,247,000 | 4,837,000 | 6,379,000 |
| Provision for loan losses | 0 | 35,000 | 135,000 | 285,000 |
| Pretax income | 753,000 | 1,628,000 | 2,356,000 | 3,116,000 |
| Income tax | 208,000 | 450,000 | 644,000 | 783,000 |
| Net income | 545,000 | 1,178,000 | 1,712,000 | 2,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,000,000 | 20,356,000 | 20,967,000 | 21,223,000 |
| Total capital | 22,072,000 | 22,502,000 | 23,145,000 | 22,252,000 |
| Risk-weighted assets | 197,882,000 | 204,762,000 | 208,651,000 | 214,397,000 |