Call reports 2011
WEST IOWA BANK — 2011
What WEST IOWA BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 90,951,000 | 90,272,000 | 93,508,000 | 94,729,000 |
| Total loans | 58,647,000 | 59,276,000 | 60,129,000 | 61,830,000 |
| Allowance for loan losses | 785,000 | 811,000 | 838,000 | 864,000 |
| Securities available for sale | 22,666,000 | 26,210,000 | 25,380,000 | 27,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,530,000 | 76,899,000 | 79,518,000 | 81,385,000 |
| Interest-bearing deposits | 65,889,000 | 66,652,000 | 67,793,000 | 67,458,000 |
| Noninterest-bearing deposits | 11,641,000 | 10,247,000 | 11,725,000 | 13,927,000 |
| Equity capital | 9,597,000 | 9,963,000 | 10,544,000 | 10,211,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,083,000 | 2,197,000 | 3,335,000 | 4,443,000 |
| Interest expense | 260,000 | 512,000 | 756,000 | 993,000 |
| Net interest income | 823,000 | 1,685,000 | 2,579,000 | 3,450,000 |
| Noninterest income | 54,000 | 118,000 | 190,000 | 240,000 |
| Noninterest expense | 429,000 | 880,000 | 1,309,000 | 1,776,000 |
| Provision for loan losses | 31,000 | 56,000 | 92,000 | 112,000 |
| Pretax income | 425,000 | 908,000 | 1,476,000 | 1,909,000 |
| Income tax | 130,000 | 281,000 | 464,000 | 598,000 |
| Net income | 295,000 | 627,000 | 1,012,000 | 1,311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,285,000 | 9,398,000 | 9,783,000 | 9,505,000 |
| Total capital | 10,070,000 | 10,209,000 | 10,621,000 | 10,369,000 |
| Risk-weighted assets | 70,656,000 | 70,718,000 | 71,938,000 | 76,694,000 |