Call reports 2007
IOWA STATE BANK AND TRUST COMPANY — 2007
What IOWA STATE BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 104,863,000 | 104,911,000 | 97,278,000 | 103,435,000 |
| Total loans | 63,427,000 | 64,438,000 | 67,193,000 | 70,821,000 |
| Allowance for loan losses | 616,000 | 629,000 | 624,000 | 651,000 |
| Securities available for sale | 11,124,000 | 14,006,000 | 14,418,000 | 13,918,000 |
| Securities held to maturity | 2,587,000 | 2,587,000 | 1,087,000 | 1,087,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,887,000 | 80,826,000 | 68,148,000 | 75,242,000 |
| Interest-bearing deposits | 58,068,000 | 59,307,000 | 47,231,000 | 53,659,000 |
| Noninterest-bearing deposits | 21,819,000 | 21,519,000 | 20,917,000 | 21,583,000 |
| Equity capital | 8,499,000 | 8,479,000 | 8,597,000 | 8,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,365,000 | 2,942,000 | 4,427,000 | 5,950,000 |
| Interest expense | 610,000 | 1,329,000 | 2,013,000 | 2,655,000 |
| Net interest income | 755,000 | 1,613,000 | 2,414,000 | 3,295,000 |
| Noninterest income | 257,000 | 505,000 | 672,000 | 821,000 |
| Noninterest expense | 632,000 | 1,322,000 | 2,060,000 | 2,734,000 |
| Provision for loan losses | 14,000 | 30,000 | 71,000 | 118,000 |
| Pretax income | 366,000 | 766,000 | 955,000 | 1,263,000 |
| Income tax | 89,000 | 185,000 | 225,000 | 306,000 |
| Net income | 277,000 | 581,000 | 730,000 | 957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,161,000 | 8,180,000 | 8,242,000 | 8,326,000 |
| Total capital | 8,777,000 | 8,809,000 | 8,866,000 | 8,977,000 |
| Risk-weighted assets | 67,040,000 | 68,135,000 | 68,832,000 | 72,961,000 |