Call reports 2010
WEST IOWA BANK — 2010
What WEST IOWA BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 82,787,000 | 83,526,000 | 84,356,000 | 87,105,000 |
| Total loans | 57,206,000 | 56,394,000 | 59,347,000 | 60,664,000 |
| Allowance for loan losses | 758,000 | 768,000 | 818,000 | 809,000 |
| Securities available for sale | 21,523,000 | 18,747,000 | 19,797,000 | 19,846,000 |
| Securities held to maturity | 134,000 | 134,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,576,000 | 69,981,000 | 69,627,000 | 73,961,000 |
| Interest-bearing deposits | 59,019,000 | 59,533,000 | 59,660,000 | 62,920,000 |
| Noninterest-bearing deposits | 9,557,000 | 10,448,000 | 9,967,000 | 11,041,000 |
| Equity capital | 9,378,000 | 9,438,000 | 9,297,000 | 9,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,154,000 | 2,300,000 | 3,433,000 | 4,551,000 |
| Interest expense | 324,000 | 621,000 | 901,000 | 1,178,000 |
| Net interest income | 830,000 | 1,679,000 | 2,532,000 | 3,373,000 |
| Noninterest income | 59,000 | 124,000 | 192,000 | 258,000 |
| Noninterest expense | 441,000 | 895,000 | 1,311,000 | 1,780,000 |
| Provision for loan losses | 45,000 | 83,000 | 148,000 | 183,000 |
| Pretax income | 425,000 | 850,000 | 1,290,000 | 1,693,000 |
| Income tax | 137,000 | 274,000 | 415,000 | 538,000 |
| Net income | 288,000 | 576,000 | 875,000 | 1,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,836,000 | 8,905,000 | 8,712,000 | 8,991,000 |
| Total capital | 9,594,000 | 9,673,000 | 9,530,000 | 9,800,000 |
| Risk-weighted assets | 67,191,000 | 65,659,000 | 68,342,000 | 73,378,000 |