Call reports 2004
IOWA STATE BANK AND TRUST COMPANY — 2004
What IOWA STATE BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 90,444,000 | 88,695,000 | 92,833,000 | 103,306,000 |
| Total loans | 52,097,000 | 54,064,000 | 57,822,000 | 57,675,000 |
| Allowance for loan losses | 578,000 | 618,000 | 645,000 | 567,000 |
| Securities available for sale | 10,856,000 | 9,618,000 | 9,700,000 | 7,823,000 |
| Securities held to maturity | 1,455,000 | 1,951,000 | 1,951,000 | 1,952,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,375,000 | 61,573,000 | 64,504,000 | 76,881,000 |
| Interest-bearing deposits | 40,496,000 | 39,190,000 | 42,557,000 | 47,301,000 |
| Noninterest-bearing deposits | 21,879,000 | 22,383,000 | 21,947,000 | 29,580,000 |
| Equity capital | 8,038,000 | 7,896,000 | 8,015,000 | 7,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,165,000 | 2,329,000 | 3,504,000 | 4,710,000 |
| Interest expense | 344,000 | 702,000 | 1,033,000 | 1,389,000 |
| Net interest income | 821,000 | 1,627,000 | 2,471,000 | 3,321,000 |
| Noninterest income | 234,000 | 491,000 | 684,000 | 974,000 |
| Noninterest expense | 760,000 | 1,538,000 | 2,241,000 | 3,013,000 |
| Provision for loan losses | 38,000 | 77,000 | 112,000 | 179,000 |
| Pretax income | 257,000 | 504,000 | 803,000 | 1,128,000 |
| Income tax | 62,000 | 118,000 | 199,000 | 290,000 |
| Net income | 195,000 | 386,000 | 604,000 | 838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,539,000 | 7,464,000 | 7,554,000 | 6,943,000 |
| Total capital | 8,117,000 | 8,082,000 | 8,199,000 | 7,510,000 |
| Risk-weighted assets | 55,143,000 | 56,317,000 | 59,647,000 | 61,680,000 |