Call reports 2025
IOWA STATE BANK AND TRUST COMPANY — 2025
What IOWA STATE BANK AND TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 279,464,000 | 302,668,000 | 313,640,000 | 330,646,000 |
| Total loans | 216,994,000 | 224,219,000 | 231,742,000 | 245,845,000 |
| Allowance for loan losses | 2,140,000 | 2,168,000 | 2,203,000 | 2,485,000 |
| Securities available for sale | 28,728,000 | 37,616,000 | 41,528,000 | 47,413,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,954,000 | 256,396,000 | 265,120,000 | 279,363,000 |
| Interest-bearing deposits | 186,140,000 | 194,590,000 | 221,413,000 | 229,778,000 |
| Noninterest-bearing deposits | 46,814,000 | 61,806,000 | 43,707,000 | 49,585,000 |
| Equity capital | 21,822,000 | 23,061,000 | 25,556,000 | 26,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,873,000 | 8,092,000 | 12,612,000 | 17,436,000 |
| Interest expense | 1,795,000 | 3,750,000 | 5,810,000 | 7,836,000 |
| Net interest income | 2,078,000 | 4,342,000 | 6,802,000 | 9,600,000 |
| Noninterest income | 117,000 | 244,000 | 356,000 | 728,000 |
| Noninterest expense | 1,338,000 | 2,803,000 | 4,251,000 | 5,908,000 |
| Provision for loan losses | 75,000 | 195,000 | 315,000 | 612,000 |
| Pretax income | 804,000 | 1,610,000 | 2,651,000 | 3,867,000 |
| Income tax | 189,000 | 375,000 | 615,000 | 817,000 |
| Net income | 615,000 | 1,235,000 | 2,036,000 | 3,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,178,000 | 23,448,000 | 25,550,000 | 26,313,000 |
| Total capital | 24,280,000 | 25,578,000 | 27,715,000 | 28,760,000 |
| Risk-weighted assets | 211,464,000 | 219,493,000 | 230,865,000 | 239,166,000 |