Call reports 2016
IOWA FALLS STATE BANK — 2016
What IOWA FALLS STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 130,594,000 | 135,607,000 | 139,013,000 | 138,553,000 |
| Total loans | 78,473,000 | 82,259,000 | 82,991,000 | 89,003,000 |
| Allowance for loan losses | 1,364,000 | 1,401,000 | 1,432,000 | 1,474,000 |
| Securities available for sale | 44,946,000 | 43,841,000 | 44,251,000 | 42,647,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,637,000 | 117,457,000 | 120,728,000 | 123,111,000 |
| Interest-bearing deposits | 93,487,000 | 97,083,000 | 98,264,000 | 98,829,000 |
| Noninterest-bearing deposits | 19,150,000 | 20,374,000 | 22,464,000 | 24,282,000 |
| Equity capital | 14,848,000 | 15,004,000 | 15,109,000 | 14,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,250,000 | 2,600,000 | 3,927,000 | 5,271,000 |
| Interest expense | 194,000 | 397,000 | 597,000 | 798,000 |
| Net interest income | 1,056,000 | 2,203,000 | 3,330,000 | 4,473,000 |
| Noninterest income | 155,000 | 297,000 | 455,000 | 644,000 |
| Noninterest expense | 800,000 | 1,602,000 | 2,393,000 | 3,169,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 366,000 | 808,000 | 1,182,000 | 1,693,000 |
| Income tax | 16,000 | 36,000 | 53,000 | 76,000 |
| Net income | 350,000 | 772,000 | 1,129,000 | 1,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,755,000 | 13,879,000 | 13,935,000 | 14,123,000 |
| Total capital | 15,119,000 | 15,183,000 | 15,230,000 | 15,469,000 |
| Risk-weighted assets | 109,365,000 | 104,224,000 | 103,479,000 | 107,584,000 |