Call reports 2005
IOWA STATE BANK — 2005
What IOWA STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 236,536,000 | 238,691,000 | 243,551,000 | 249,171,000 |
| Total loans | 159,135,000 | 162,887,000 | 167,528,000 | 163,674,000 |
| Allowance for loan losses | 2,089,000 | 2,121,000 | 2,109,000 | 2,068,000 |
| Securities available for sale | 65,218,000 | 62,981,000 | 61,418,000 | 63,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,621,000 | 194,834,000 | 195,908,000 | 209,729,000 |
| Interest-bearing deposits | 160,615,000 | 160,157,000 | 160,155,000 | 167,424,000 |
| Noninterest-bearing deposits | 34,006,000 | 34,677,000 | 35,753,000 | 42,305,000 |
| Equity capital | 24,699,000 | 25,959,000 | 26,259,000 | 26,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,197,000 | 6,577,000 | 10,047,000 | 13,561,000 |
| Interest expense | 956,000 | 2,002,000 | 3,196,000 | 4,593,000 |
| Net interest income | 2,241,000 | 4,575,000 | 6,851,000 | 8,968,000 |
| Noninterest income | 881,000 | 1,776,000 | 2,873,000 | 3,925,000 |
| Noninterest expense | 1,605,000 | 3,372,000 | 5,158,000 | 6,907,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,549,000 | 2,981,000 | 4,520,000 | 5,909,000 |
| Income tax | 78,000 | 149,000 | 226,000 | 295,000 |
| Net income | 1,471,000 | 2,832,000 | 4,294,000 | 5,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,089,000 | 25,883,000 | 26,478,000 | 27,187,000 |
| Total capital | 27,178,000 | 28,004,000 | 28,587,000 | 29,255,000 |
| Risk-weighted assets | 176,397,000 | 177,493,000 | 180,345,000 | 177,975,000 |