Call reports 2013
WEST IOWA BANK — 2013
What WEST IOWA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 102,634,000 | 115,156,000 | 117,333,000 | 122,144,000 |
| Total loans | 70,265,000 | 71,222,000 | 68,702,000 | 73,609,000 |
| Allowance for loan losses | 910,000 | 897,000 | 941,000 | 930,000 |
| Securities available for sale | 26,455,000 | 32,134,000 | 32,345,000 | 35,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,874,000 | 101,484,000 | 104,206,000 | 107,931,000 |
| Interest-bearing deposits | 75,483,000 | 87,621,000 | 88,179,000 | 86,466,000 |
| Noninterest-bearing deposits | 11,391,000 | 13,863,000 | 16,027,000 | 21,465,000 |
| Equity capital | 11,485,000 | 11,171,000 | 10,863,000 | 11,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,103,000 | 2,216,000 | 3,399,000 | 4,550,000 |
| Interest expense | 168,000 | 343,000 | 522,000 | 698,000 |
| Net interest income | 935,000 | 1,873,000 | 2,877,000 | 3,852,000 |
| Noninterest income | 59,000 | 133,000 | 214,000 | 294,000 |
| Noninterest expense | 451,000 | 1,001,000 | 1,596,000 | 2,187,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 553,000 | 1,014,000 | 1,504,000 | 1,968,000 |
| Income tax | 180,000 | 325,000 | 480,000 | 618,000 |
| Net income | 373,000 | 689,000 | 1,024,000 | 1,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,833,000 | 10,264,000 | 10,603,000 | 10,832,000 |
| Total capital | 11,743,000 | 11,161,000 | 11,544,000 | 11,762,000 |
| Risk-weighted assets | 82,745,000 | 87,384,000 | 85,732,000 | 92,056,000 |