Call reports 2006
WEST IOWA BANK — 2006
What WEST IOWA BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 61,174,000 | 60,964,000 | 63,359,000 | 67,829,000 |
| Total loans | 38,602,000 | 39,067,000 | 41,384,000 | 41,554,000 |
| Allowance for loan losses | 585,000 | 584,000 | 595,000 | 612,000 |
| Securities available for sale | 17,739,000 | 16,514,000 | 16,063,000 | 19,944,000 |
| Securities held to maturity | 1,425,000 | 1,137,000 | 1,132,000 | 895,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,449,000 | 50,654,000 | 52,850,000 | 57,177,000 |
| Interest-bearing deposits | 44,025,000 | 44,727,000 | 45,818,000 | 48,938,000 |
| Noninterest-bearing deposits | 6,425,000 | 5,927,000 | 7,032,000 | 8,239,000 |
| Equity capital | 6,542,000 | 6,550,000 | 6,637,000 | 6,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 913,000 | 1,865,000 | 2,880,000 | 3,924,000 |
| Interest expense | 344,000 | 721,000 | 1,143,000 | 1,595,000 |
| Net interest income | 569,000 | 1,144,000 | 1,737,000 | 2,329,000 |
| Noninterest income | 52,000 | 114,000 | 181,000 | 263,000 |
| Noninterest expense | 460,000 | 862,000 | 1,230,000 | 1,683,000 |
| Provision for loan losses | 20,000 | 20,000 | 30,000 | 47,000 |
| Pretax income | 141,000 | 376,000 | 653,000 | 857,000 |
| Income tax | 29,000 | 93,000 | 172,000 | 207,000 |
| Net income | 112,000 | 283,000 | 481,000 | 650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,493,000 | 6,624,000 | 6,638,000 | 6,813,000 |
| Total capital | 7,068,000 | 7,202,000 | 7,233,000 | 7,425,000 |
| Risk-weighted assets | 45,955,000 | 46,237,000 | 48,141,000 | 50,986,000 |