Call reports 2004
IOWA FALLS STATE BANK — 2004
What IOWA FALLS STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 91,554,000 | 93,046,000 | 90,259,000 | 92,152,000 |
| Total loans | 49,318,000 | 51,521,000 | 51,736,000 | 52,092,000 |
| Allowance for loan losses | 474,000 | 486,000 | 498,000 | 506,000 |
| Securities available for sale | 29,997,000 | 29,107,000 | 26,777,000 | 25,907,000 |
| Securities held to maturity | 7,564,000 | 6,977,000 | 7,723,000 | 9,553,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,701,000 | 77,703,000 | 73,851,000 | 77,409,000 |
| Interest-bearing deposits | 67,625,000 | 69,413,000 | 66,356,000 | 68,737,000 |
| Noninterest-bearing deposits | 8,076,000 | 8,290,000 | 7,495,000 | 8,672,000 |
| Equity capital | 10,393,000 | 9,874,000 | 10,576,000 | 10,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,165,000 | 2,455,000 | 3,666,000 | 4,867,000 |
| Interest expense | 325,000 | 646,000 | 970,000 | 1,318,000 |
| Net interest income | 840,000 | 1,809,000 | 2,696,000 | 3,549,000 |
| Noninterest income | 60,000 | 143,000 | 223,000 | 307,000 |
| Noninterest expense | 495,000 | 996,000 | 1,529,000 | 2,097,000 |
| Provision for loan losses | 4,000 | 16,000 | 28,000 | 40,000 |
| Pretax income | 401,000 | 940,000 | 1,362,000 | 1,719,000 |
| Income tax | 16,000 | 38,000 | 54,000 | 69,000 |
| Net income | 385,000 | 902,000 | 1,308,000 | 1,650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,921,000 | 10,132,000 | 10,238,000 | 10,281,000 |
| Total capital | 10,395,000 | 10,618,000 | 10,736,000 | 10,787,000 |
| Risk-weighted assets | 57,740,000 | 58,074,000 | 57,895,000 | 58,482,000 |