Call reports 2007
IOWA FALLS STATE BANK — 2007
What IOWA FALLS STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 90,914,000 | 89,179,000 | 88,106,000 | 94,140,000 |
| Total loans | 57,336,000 | 57,515,000 | 58,202,000 | 58,575,000 |
| Allowance for loan losses | 336,000 | 341,000 | 346,000 | 348,000 |
| Securities available for sale | 26,520,000 | 24,484,000 | 25,246,000 | 25,378,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,154,000 | 76,635,000 | 75,364,000 | 81,925,000 |
| Interest-bearing deposits | 68,679,000 | 66,801,000 | 65,077,000 | 70,515,000 |
| Noninterest-bearing deposits | 9,475,000 | 9,834,000 | 10,287,000 | 11,410,000 |
| Equity capital | 9,136,000 | 8,857,000 | 9,289,000 | 9,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,293,000 | 2,585,000 | 3,869,000 | 5,152,000 |
| Interest expense | 564,000 | 1,140,000 | 1,721,000 | 2,313,000 |
| Net interest income | 729,000 | 1,445,000 | 2,148,000 | 2,839,000 |
| Noninterest income | 73,000 | 170,000 | 270,000 | 376,000 |
| Noninterest expense | 610,000 | 1,208,000 | 1,819,000 | 2,407,000 |
| Provision for loan losses | 5,000 | 10,000 | 15,000 | 20,000 |
| Pretax income | 187,000 | 397,000 | 584,000 | 788,000 |
| Income tax | 7,000 | 15,000 | 23,000 | 32,000 |
| Net income | 180,000 | 382,000 | 561,000 | 756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,411,000 | 9,463,000 | 9,492,000 | 9,537,000 |
| Total capital | 9,747,000 | 9,804,000 | 9,838,000 | 9,885,000 |
| Risk-weighted assets | 61,520,000 | 61,561,000 | 62,118,000 | 65,797,000 |