Call reports 2002
IOWA STATE BANK AND TRUST COMPANY — 2002
What IOWA STATE BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 88,933,000 | 82,017,000 | 86,108,000 | 91,293,000 |
| Total loans | 52,390,000 | 49,707,000 | 51,729,000 | 49,374,000 |
| Allowance for loan losses | 898,000 | 887,000 | 892,000 | 809,000 |
| Securities available for sale | 18,150,000 | 18,315,000 | 18,791,000 | 16,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,008,000 | 58,124,000 | 57,099,000 | 62,763,000 |
| Interest-bearing deposits | 43,642,000 | 42,234,000 | 41,612,000 | 42,508,000 |
| Noninterest-bearing deposits | 20,366,000 | 15,890,000 | 15,487,000 | 20,255,000 |
| Equity capital | 7,262,000 | 7,722,000 | 7,988,000 | 8,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,354,000 | 2,691,000 | 4,002,000 | 5,338,000 |
| Interest expense | 499,000 | 968,000 | 1,421,000 | 1,871,000 |
| Net interest income | 855,000 | 1,723,000 | 2,581,000 | 3,467,000 |
| Noninterest income | 230,000 | 486,000 | 680,000 | 1,005,000 |
| Noninterest expense | 724,000 | 1,451,000 | 2,462,000 | 3,223,000 |
| Provision for loan losses | 5,000 | 18,000 | 18,000 | 18,000 |
| Pretax income | -24,000 | 441,000 | 805,000 | 1,255,000 |
| Income tax | 0 | 87,000 | 186,000 | 314,000 |
| Net income | -24,000 | 354,000 | 619,000 | 941,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,036,000 | 7,391,000 | 7,494,000 | 7,489,000 |
| Total capital | 7,720,000 | 8,039,000 | 8,188,000 | 8,172,000 |
| Risk-weighted assets | 54,543,000 | 51,630,000 | 55,303,000 | 54,532,000 |