Call reports 2015
IOWA STATE BANK AND TRUST COMPANY — 2015
What IOWA STATE BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 116,352,000 | 118,241,000 | 119,867,000 | 122,878,000 |
| Total loans | 73,313,000 | 74,840,000 | 80,055,000 | 80,886,000 |
| Allowance for loan losses | 654,000 | 782,000 | 819,000 | 660,000 |
| Securities available for sale | 8,711,000 | 10,410,000 | 11,196,000 | 11,109,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,647,000 | 99,760,000 | 97,061,000 | 106,213,000 |
| Interest-bearing deposits | 66,949,000 | 66,649,000 | 68,192,000 | 74,081,000 |
| Noninterest-bearing deposits | 30,698,000 | 33,111,000 | 28,869,000 | 32,132,000 |
| Equity capital | 9,949,000 | 9,794,000 | 10,057,000 | 11,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,024,000 | 2,044,000 | 3,158,000 | 4,287,000 |
| Interest expense | 167,000 | 348,000 | 535,000 | 721,000 |
| Net interest income | 857,000 | 1,696,000 | 2,623,000 | 3,566,000 |
| Noninterest income | 90,000 | 218,000 | 375,000 | 518,000 |
| Noninterest expense | 750,000 | 1,467,000 | 2,258,000 | 3,214,000 |
| Provision for loan losses | 37,000 | 158,000 | 195,000 | 233,000 |
| Pretax income | 200,000 | 329,000 | 585,000 | 677,000 |
| Income tax | 67,000 | 100,000 | 189,000 | 210,000 |
| Net income | 133,000 | 229,000 | 396,000 | 467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,770,000 | 10,292,000 | 10,384,000 | 12,077,000 |
| Total capital | 11,424,000 | 11,074,000 | 11,203,000 | 12,737,000 |
| Risk-weighted assets | 72,482,000 | 73,692,000 | 80,589,000 | 82,415,000 |