Call reports 2009
WEST IOWA BANK — 2009
What WEST IOWA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 82,172,000 | 86,361,000 | 82,133,000 | 86,992,000 |
| Total loans | 51,650,000 | 51,448,000 | 52,962,000 | 56,288,000 |
| Allowance for loan losses | 735,000 | 739,000 | 701,000 | 734,000 |
| Securities available for sale | 23,859,000 | 21,795,000 | 23,154,000 | 21,591,000 |
| Securities held to maturity | 448,000 | 274,000 | 140,000 | 140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,211,000 | 72,790,000 | 68,055,000 | 72,750,000 |
| Interest-bearing deposits | 60,577,000 | 60,562,000 | 59,711,000 | 60,275,000 |
| Noninterest-bearing deposits | 8,634,000 | 12,228,000 | 8,344,000 | 12,475,000 |
| Equity capital | 8,642,000 | 8,547,000 | 9,042,000 | 9,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,144,000 | 2,284,000 | 3,422,000 | 4,569,000 |
| Interest expense | 416,000 | 822,000 | 1,196,000 | 1,548,000 |
| Net interest income | 728,000 | 1,462,000 | 2,226,000 | 3,021,000 |
| Noninterest income | 57,000 | 123,000 | 205,000 | 261,000 |
| Noninterest expense | 399,000 | 871,000 | 1,279,000 | 1,704,000 |
| Provision for loan losses | 13,000 | 37,000 | 79,000 | 103,000 |
| Pretax income | 374,000 | 690,000 | 1,087,000 | 1,494,000 |
| Income tax | 120,000 | 219,000 | 349,000 | 483,000 |
| Net income | 254,000 | 471,000 | 738,000 | 1,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,185,000 | 8,246,000 | 8,517,000 | 8,795,000 |
| Total capital | 8,920,000 | 8,985,000 | 9,218,000 | 9,529,000 |
| Risk-weighted assets | 61,627,000 | 62,174,000 | 62,292,000 | 67,628,000 |