Call reports 2008
IOWA STATE BANK — 2008
What IOWA STATE 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 | 290,682,000 | 286,156,000 | 292,208,000 | 310,481,000 |
| Total loans | 206,600,000 | 204,289,000 | 208,549,000 | 227,265,000 |
| Allowance for loan losses | 1,793,000 | 1,719,000 | 1,885,000 | 2,052,000 |
| Securities available for sale | 37,191,000 | 46,293,000 | 47,336,000 | 47,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,560,000 | 224,294,000 | 227,328,000 | 245,384,000 |
| Interest-bearing deposits | 203,115,000 | 192,567,000 | 195,412,000 | 200,838,000 |
| Noninterest-bearing deposits | 31,445,000 | 31,727,000 | 31,916,000 | 44,546,000 |
| Equity capital | 27,444,000 | 27,266,000 | 28,229,000 | 27,991,000 |
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 | 4,160,000 | 8,139,000 | 12,133,000 | 16,204,000 |
| Interest expense | 1,911,000 | 3,598,000 | 5,178,000 | 6,637,000 |
| Net interest income | 2,249,000 | 4,541,000 | 6,955,000 | 9,567,000 |
| Noninterest income | 472,000 | 991,000 | 1,625,000 | 2,372,000 |
| Noninterest expense | 1,676,000 | 3,379,000 | 5,124,000 | 7,145,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 280,000 |
| Pretax income | 1,045,000 | 2,148,000 | 3,432,000 | 4,510,000 |
| Income tax | 362,000 | 665,000 | 1,071,000 | 1,336,000 |
| Net income | 683,000 | 1,483,000 | 2,361,000 | 3,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,302,000 | 25,737,000 | 26,693,000 | 26,257,000 |
| Total capital | 26,567,000 | 26,928,000 | 28,050,000 | 27,721,000 |
| Risk-weighted assets | 234,750,000 | 231,132,000 | 238,339,000 | 251,374,000 |