WATERLOO, Iowa -- Iowa National Bankshares reported net income of $6 million for the first six months of 1994, a 7.5% reduction from $6.4 million for the same period a year ago. Net income was was $1.03 per share for the first half of 1994, compared with $1.12 in the previous period.

The company attributed the downturn to a decline in its net interest margin.

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