Call reports 2012
IOWA FALLS STATE BANK — 2012
What IOWA FALLS STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 115,923,000 | 114,998,000 | 114,943,000 | 118,909,000 |
| Total loans | 59,889,000 | 62,231,000 | 60,065,000 | 63,520,000 |
| Allowance for loan losses | 1,245,000 | 1,269,000 | 1,315,000 | 1,223,000 |
| Securities available for sale | 35,673,000 | 44,635,000 | 46,228,000 | 44,592,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,124,000 | 97,839,000 | 97,152,000 | 101,794,000 |
| Interest-bearing deposits | 85,031,000 | 81,738,000 | 84,143,000 | 87,596,000 |
| Noninterest-bearing deposits | 14,093,000 | 16,101,000 | 13,009,000 | 14,198,000 |
| Equity capital | 13,469,000 | 13,764,000 | 14,337,000 | 14,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,299,000 | 2,613,000 | 3,978,000 | 5,356,000 |
| Interest expense | 238,000 | 465,000 | 684,000 | 893,000 |
| Net interest income | 1,061,000 | 2,148,000 | 3,294,000 | 4,463,000 |
| Noninterest income | 153,000 | 273,000 | 399,000 | 526,000 |
| Noninterest expense | 677,000 | 1,375,000 | 2,046,000 | 2,826,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 496,000 | 960,000 | 1,516,000 | 2,208,000 |
| Income tax | 25,000 | 48,000 | 76,000 | 102,000 |
| Net income | 471,000 | 912,000 | 1,440,000 | 2,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,559,000 | 11,700,000 | 11,928,000 | 12,295,000 |
| Total capital | 12,632,000 | 12,843,000 | 13,103,000 | 13,505,000 |
| Risk-weighted assets | 93,372,000 | 91,595,000 | 93,885,000 | 96,837,000 |