Call reports 2025
IOWA FALLS STATE BANK — 2025
What IOWA FALLS STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 192,882,000 | 192,619,000 | 202,834,000 | 202,257,000 |
| Total loans | 90,220,000 | 93,277,000 | 101,063,000 | 99,563,000 |
| Allowance for loan losses | 1,085,000 | 1,063,000 | 1,090,000 | 1,091,000 |
| Securities available for sale | 81,539,000 | 76,149,000 | 81,268,000 | 82,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,152,000 | 152,405,000 | 156,870,000 | 160,701,000 |
| Interest-bearing deposits | 125,776,000 | 128,159,000 | 131,613,000 | 133,778,000 |
| Noninterest-bearing deposits | 25,376,000 | 24,246,000 | 25,257,000 | 26,923,000 |
| Equity capital | 29,332,000 | 29,746,000 | 30,411,000 | 31,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,609,000 | 5,307,000 | 8,077,000 | 10,876,000 |
| Interest expense | 937,000 | 1,898,000 | 2,847,000 | 3,819,000 |
| Net interest income | 1,672,000 | 3,409,000 | 5,230,000 | 7,057,000 |
| Noninterest income | 185,000 | 427,000 | 636,000 | 803,000 |
| Noninterest expense | 1,351,000 | 2,712,000 | 4,088,000 | 5,479,000 |
| Provision for loan losses | 0 | 12,000 | 32,000 | 32,000 |
| Pretax income | 1,173,000 | 1,805,000 | 2,398,000 | 3,001,000 |
| Income tax | 267,000 | 404,000 | 531,000 | 651,000 |
| Net income | 906,000 | 1,401,000 | 1,867,000 | 2,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,315,000 | 15,771,000 | 16,175,000 | 16,600,000 |
| Total capital | 16,400,000 | 16,834,000 | 17,265,000 | 17,691,000 |
| Risk-weighted assets | 129,261,000 | 125,920,000 | 134,682,000 | 131,668,000 |