Call reports 2005
IOWA FALLS STATE BANK — 2005
What IOWA FALLS 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 | 92,478,000 | 94,250,000 | 94,904,000 | 93,160,000 |
| Total loans | 53,082,000 | 54,437,000 | 56,975,000 | 56,042,000 |
| Allowance for loan losses | 506,000 | 506,000 | 506,000 | 504,000 |
| Securities available for sale | 24,087,000 | 22,605,000 | 20,802,000 | 17,773,000 |
| Securities held to maturity | 11,631,000 | 12,751,000 | 12,737,000 | 14,265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,398,000 | 73,209,000 | 75,624,000 | 76,668,000 |
| Interest-bearing deposits | 69,010,000 | 65,613,000 | 67,027,000 | 67,762,000 |
| Noninterest-bearing deposits | 7,388,000 | 7,596,000 | 8,597,000 | 8,906,000 |
| Equity capital | 9,759,000 | 10,195,000 | 8,730,000 | 8,555,000 |
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 | 1,191,000 | 2,453,000 | 3,700,000 | 4,954,000 |
| Interest expense | 376,000 | 812,000 | 1,267,000 | 1,743,000 |
| Net interest income | 815,000 | 1,641,000 | 2,433,000 | 3,211,000 |
| Noninterest income | 63,000 | 184,000 | 254,000 | 333,000 |
| Noninterest expense | 532,000 | 1,059,000 | 1,607,000 | 2,110,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 346,000 | 765,000 | 1,079,000 | 1,433,000 |
| Income tax | 14,000 | 31,000 | 43,000 | 57,000 |
| Net income | 332,000 | 734,000 | 1,036,000 | 1,376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,313,000 | 10,415,000 | 8,917,000 | 8,957,000 |
| Total capital | 10,819,000 | 10,921,000 | 9,423,000 | 9,461,000 |
| Risk-weighted assets | 59,795,000 | 60,525,000 | 62,179,000 | 61,022,000 |