Call reports 2009
IOWA STATE BANK AND TRUST COMPANY — 2009
What IOWA STATE BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 101,529,000 | 100,309,000 | 104,204,000 | 104,878,000 |
| Total loans | 74,707,000 | 73,385,000 | 74,833,000 | 71,586,000 |
| Allowance for loan losses | 809,000 | 1,524,000 | 2,089,000 | 1,355,000 |
| Securities available for sale | 10,987,000 | 9,532,000 | 8,140,000 | 7,296,000 |
| Securities held to maturity | 1,086,000 | 936,000 | 936,000 | 936,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,104,000 | 70,988,000 | 75,704,000 | 76,324,000 |
| Interest-bearing deposits | 49,526,000 | 52,856,000 | 57,174,000 | 54,078,000 |
| Noninterest-bearing deposits | 22,578,000 | 18,132,000 | 18,530,000 | 22,246,000 |
| Equity capital | 8,827,000 | 8,161,000 | 7,895,000 | 8,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,361,000 | 2,665,000 | 3,951,000 | 5,205,000 |
| Interest expense | 489,000 | 963,000 | 1,478,000 | 1,975,000 |
| Net interest income | 872,000 | 1,702,000 | 2,473,000 | 3,230,000 |
| Noninterest income | 153,000 | 300,000 | 445,000 | 583,000 |
| Noninterest expense | 707,000 | 1,530,000 | 2,200,000 | 2,968,000 |
| Provision for loan losses | 98,000 | 955,000 | 1,536,000 | 1,535,000 |
| Pretax income | 220,000 | -482,000 | -817,000 | -703,000 |
| Income tax | 35,000 | -216,000 | -216,000 | -334,000 |
| Net income | 185,000 | -266,000 | -601,000 | -369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,345,000 | 8,688,000 | 8,353,000 | 8,505,000 |
| Total capital | 10,154,000 | 9,641,000 | 9,334,000 | 9,423,000 |
| Risk-weighted assets | 76,835,000 | 75,667,000 | 77,361,000 | 73,030,000 |