Call reports 2005
WEST IOWA BANK — 2005
What WEST IOWA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 61,710,000 | 62,232,000 | 60,767,000 | 62,684,000 |
| Total loans | 36,268,000 | 35,804,000 | 37,289,000 | 35,408,000 |
| Allowance for loan losses | 550,000 | 560,000 | 501,000 | 571,000 |
| Securities available for sale | 17,845,000 | 18,417,000 | 17,666,000 | 16,339,000 |
| Securities held to maturity | 2,228,000 | 1,757,000 | 1,679,000 | 1,594,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,110,000 | 51,365,000 | 49,631,000 | 51,923,000 |
| Interest-bearing deposits | 45,144,000 | 45,793,000 | 43,801,000 | 44,676,000 |
| Noninterest-bearing deposits | 5,966,000 | 5,572,000 | 5,830,000 | 7,247,000 |
| Equity capital | 6,301,000 | 6,474,000 | 6,539,000 | 6,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 843,000 | 1,692,000 | 2,550,000 | 3,443,000 |
| Interest expense | 268,000 | 552,000 | 855,000 | 1,179,000 |
| Net interest income | 575,000 | 1,140,000 | 1,695,000 | 2,264,000 |
| Noninterest income | 48,000 | 99,000 | 156,000 | 231,000 |
| Noninterest expense | 403,000 | 811,000 | 1,203,000 | 1,644,000 |
| Provision for loan losses | 25,000 | 43,000 | 151,000 | 213,000 |
| Pretax income | 195,000 | 385,000 | 497,000 | 638,000 |
| Income tax | 44,000 | 88,000 | 104,000 | 125,000 |
| Net income | 151,000 | 297,000 | 393,000 | 513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,077,000 | 6,240,000 | 6,350,000 | 6,485,000 |
| Total capital | 6,627,000 | 6,800,000 | 6,851,000 | 7,056,000 |
| Risk-weighted assets | 45,656,000 | 44,921,000 | 46,035,000 | 47,104,000 |