Call reports 2004
WEST IOWA BANK — 2004
What WEST IOWA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 59,828,000 | 61,903,000 | 61,507,000 | 61,538,000 |
| Total loans | 34,423,000 | 34,557,000 | 36,018,000 | 35,830,000 |
| Allowance for loan losses | 510,000 | 516,000 | 529,000 | 522,000 |
| Securities available for sale | 17,315,000 | 19,842,000 | 18,752,000 | 18,584,000 |
| Securities held to maturity | 3,388,000 | 2,889,000 | 2,461,000 | 2,317,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,820,000 | 51,279,000 | 50,499,000 | 50,472,000 |
| Interest-bearing deposits | 43,457,000 | 46,062,000 | 44,783,000 | 45,006,000 |
| Noninterest-bearing deposits | 5,363,000 | 5,217,000 | 5,716,000 | 5,466,000 |
| Equity capital | 6,341,000 | 6,132,000 | 6,432,000 | 6,527,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 774,000 | 1,584,000 | 2,423,000 | 3,267,000 |
| Interest expense | 249,000 | 513,000 | 782,000 | 1,053,000 |
| Net interest income | 525,000 | 1,071,000 | 1,641,000 | 2,214,000 |
| Noninterest income | 61,000 | 110,000 | 169,000 | 250,000 |
| Noninterest expense | 413,000 | 815,000 | 1,202,000 | 1,599,000 |
| Provision for loan losses | 55,000 | 70,000 | 80,000 | 95,000 |
| Pretax income | 118,000 | 296,000 | 528,000 | 770,000 |
| Income tax | 15,000 | 51,000 | 108,000 | 156,000 |
| Net income | 103,000 | 245,000 | 420,000 | 614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,795,000 | 5,897,000 | 6,038,000 | 6,186,000 |
| Total capital | 6,305,000 | 6,413,000 | 6,567,000 | 6,708,000 |
| Risk-weighted assets | 43,987,000 | 43,786,000 | 44,930,000 | 45,766,000 |