Call reports 2005
IOWA STATE BANK AND TRUST COMPANY — 2005
What IOWA STATE BANK AND TRUST COMPANY 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 | 100,437,000 | 94,102,000 | 94,087,000 | 103,616,000 |
| Total loans | 58,475,000 | 59,242,000 | 60,143,000 | 58,377,000 |
| Allowance for loan losses | 605,000 | 598,000 | 564,000 | 556,000 |
| Securities available for sale | 8,761,000 | 8,178,000 | 8,039,000 | 8,497,000 |
| Securities held to maturity | 2,255,000 | 2,435,000 | 2,436,000 | 2,436,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,317,000 | 69,567,000 | 69,998,000 | 79,191,000 |
| Interest-bearing deposits | 47,455,000 | 46,306,000 | 48,450,000 | 51,994,000 |
| Noninterest-bearing deposits | 25,862,000 | 23,261,000 | 21,548,000 | 27,197,000 |
| Equity capital | 7,443,000 | 7,560,000 | 7,465,000 | 7,729,000 |
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 | 1,210,000 | 2,461,000 | 3,681,000 | 4,962,000 |
| Interest expense | 370,000 | 777,000 | 1,185,000 | 1,649,000 |
| Net interest income | 840,000 | 1,684,000 | 2,496,000 | 3,313,000 |
| Noninterest income | 235,000 | 476,000 | 681,000 | 948,000 |
| Noninterest expense | 679,000 | 1,423,000 | 2,297,000 | 2,809,000 |
| Provision for loan losses | 38,000 | 75,000 | 47,000 | 68,000 |
| Pretax income | 358,000 | 662,000 | 833,000 | 1,384,000 |
| Income tax | 101,000 | 177,000 | 222,000 | 387,000 |
| Net income | 257,000 | 485,000 | 611,000 | 997,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,995,000 | 7,089,000 | 7,015,000 | 7,367,000 |
| Total capital | 7,600,000 | 7,687,000 | 7,579,000 | 7,923,000 |
| Risk-weighted assets | 61,462,000 | 60,953,000 | 61,511,000 | 62,072,000 |