Call reports 2014
IOWA FALLS STATE BANK — 2014
What IOWA FALLS STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 124,518,000 | 124,184,000 | 126,546,000 | 124,511,000 |
| Total loans | 62,451,000 | 65,428,000 | 67,633,000 | 67,860,000 |
| Allowance for loan losses | 1,421,000 | 1,466,000 | 1,476,000 | 1,200,000 |
| Securities available for sale | 51,588,000 | 52,236,000 | 52,217,000 | 47,755,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,718,000 | 105,462,000 | 104,255,000 | 103,968,000 |
| Interest-bearing deposits | 91,559,000 | 91,307,000 | 89,314,000 | 87,213,000 |
| Noninterest-bearing deposits | 18,159,000 | 14,155,000 | 14,941,000 | 16,755,000 |
| Equity capital | 13,791,000 | 14,276,000 | 14,554,000 | 14,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,218,000 | 2,451,000 | 3,703,000 | 4,957,000 |
| Interest expense | 182,000 | 362,000 | 544,000 | 727,000 |
| Net interest income | 1,036,000 | 2,089,000 | 3,159,000 | 4,230,000 |
| Noninterest income | 132,000 | 291,000 | 450,000 | 616,000 |
| Noninterest expense | 756,000 | 1,474,000 | 2,195,000 | 3,140,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 408,000 | 857,000 | 1,320,000 | 1,803,000 |
| Income tax | 19,000 | 39,000 | 59,000 | 81,000 |
| Net income | 389,000 | 818,000 | 1,261,000 | 1,722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,940,000 | 13,069,000 | 13,211,000 | 13,372,000 |
| Total capital | 14,208,000 | 14,315,000 | 14,566,000 | 14,572,000 |
| Risk-weighted assets | 101,249,000 | 99,433,000 | 108,246,000 | 106,082,000 |