Call reports 2015
IOWA FALLS STATE BANK — 2015
What IOWA FALLS STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 124,323,000 | 122,686,000 | 124,698,000 | 127,014,000 |
| Total loans | 70,427,000 | 70,837,000 | 71,730,000 | 73,035,000 |
| Allowance for loan losses | 1,245,000 | 1,210,000 | 1,355,000 | 1,305,000 |
| Securities available for sale | 47,365,000 | 45,282,000 | 45,856,000 | 46,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,147,000 | 105,148,000 | 105,359,000 | 109,189,000 |
| Interest-bearing deposits | 88,041,000 | 88,413,000 | 87,747,000 | 90,317,000 |
| Noninterest-bearing deposits | 16,106,000 | 16,735,000 | 17,612,000 | 18,872,000 |
| Equity capital | 14,753,000 | 14,391,000 | 14,694,000 | 14,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,216,000 | 2,420,000 | 3,618,000 | 4,825,000 |
| Interest expense | 178,000 | 360,000 | 544,000 | 734,000 |
| Net interest income | 1,038,000 | 2,060,000 | 3,074,000 | 4,091,000 |
| Noninterest income | 199,000 | 436,000 | 752,000 | 910,000 |
| Noninterest expense | 815,000 | 1,581,000 | 2,342,000 | 3,150,000 |
| Provision for loan losses | 45,000 | 90,000 | 235,000 | 250,000 |
| Pretax income | 379,000 | 827,000 | 1,251,000 | 1,603,000 |
| Income tax | 17,000 | 36,000 | 59,000 | 70,000 |
| Net income | 362,000 | 791,000 | 1,192,000 | 1,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,435,000 | 13,565,000 | 13,666,000 | 13,706,000 |
| Total capital | 14,468,000 | 14,775,000 | 14,950,000 | 15,011,000 |
| Risk-weighted assets | 103,373,000 | 100,786,000 | 102,682,000 | 106,360,000 |