Call reports 2016
IOWA STATE BANK AND TRUST COMPANY — 2016
What IOWA STATE BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 119,453,000 | 117,374,000 | 116,858,000 | 118,594,000 |
| Total loans | 85,219,000 | 84,490,000 | 89,476,000 | 91,247,000 |
| Allowance for loan losses | 839,000 | 922,000 | 921,000 | 950,000 |
| Securities available for sale | 11,333,000 | 8,911,000 | 9,796,000 | 9,856,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,911,000 | 98,183,000 | 96,012,000 | 98,366,000 |
| Interest-bearing deposits | 67,663,000 | 67,111,000 | 63,586,000 | 66,255,000 |
| Noninterest-bearing deposits | 29,248,000 | 31,072,000 | 32,426,000 | 32,111,000 |
| Equity capital | 11,781,000 | 11,986,000 | 12,046,000 | 12,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,154,000 | 2,448,000 | 3,566,000 | 4,711,000 |
| Interest expense | 132,000 | 271,000 | 408,000 | 558,000 |
| Net interest income | 1,022,000 | 2,177,000 | 3,158,000 | 4,153,000 |
| Noninterest income | 133,000 | 263,000 | 391,000 | 534,000 |
| Noninterest expense | 750,000 | 1,516,000 | 2,265,000 | 3,021,000 |
| Provision for loan losses | 180,000 | 260,000 | 260,000 | 290,000 |
| Pretax income | 225,000 | 710,000 | 1,070,000 | 1,422,000 |
| Income tax | 71,000 | 250,000 | 377,000 | 501,000 |
| Net income | 154,000 | 460,000 | 693,000 | 921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,156,000 | 12,335,000 | 12,440,000 | 12,540,000 |
| Total capital | 12,995,000 | 13,257,000 | 13,361,000 | 13,490,000 |
| Risk-weighted assets | 85,750,000 | 84,229,000 | 87,986,000 | 90,053,000 |