Call reports 2012
WEST IOWA BANK — 2012
What WEST IOWA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 99,891,000 | 95,821,000 | 98,233,000 | 106,742,000 |
| Total loans | 61,065,000 | 61,951,000 | 61,927,000 | 71,460,000 |
| Allowance for loan losses | 868,000 | 863,000 | 877,000 | 810,000 |
| Securities available for sale | 29,761,000 | 26,428,000 | 26,504,000 | 28,110,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,346,000 | 81,890,000 | 83,989,000 | 88,285,000 |
| Interest-bearing deposits | 72,698,000 | 71,570,000 | 71,704,000 | 71,707,000 |
| Noninterest-bearing deposits | 13,648,000 | 10,320,000 | 12,285,000 | 16,578,000 |
| Equity capital | 10,427,000 | 10,787,000 | 11,120,000 | 11,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,072,000 | 2,138,000 | 3,206,000 | 4,277,000 |
| Interest expense | 223,000 | 438,000 | 640,000 | 834,000 |
| Net interest income | 849,000 | 1,700,000 | 2,566,000 | 3,443,000 |
| Noninterest income | 59,000 | 123,000 | 184,000 | 251,000 |
| Noninterest expense | 418,000 | 864,000 | 1,316,000 | 1,782,000 |
| Provision for loan losses | 8,000 | 19,000 | 34,000 | 56,000 |
| Pretax income | 515,000 | 1,014,000 | 1,499,000 | 1,974,000 |
| Income tax | 163,000 | 320,000 | 475,000 | 619,000 |
| Net income | 352,000 | 694,000 | 1,024,000 | 1,355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,758,000 | 9,999,000 | 10,330,000 | 10,460,000 |
| Total capital | 10,626,000 | 10,862,000 | 11,207,000 | 11,270,000 |
| Risk-weighted assets | 74,410,000 | 74,051,000 | 74,265,000 | 86,456,000 |