Call reports 2014
WEST IOWA BANK — 2014
What WEST IOWA BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 124,386,000 | 124,153,000 | 119,729,000 | 120,527,000 |
| Total loans | 70,782,000 | 71,084,000 | 72,671,000 | 79,438,000 |
| Allowance for loan losses | 931,000 | 1,012,000 | 1,014,000 | 654,000 |
| Securities available for sale | 37,502,000 | 40,140,000 | 36,060,000 | 29,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,468,000 | 109,550,000 | 98,807,000 | 101,915,000 |
| Interest-bearing deposits | 94,890,000 | 88,542,000 | 84,417,000 | 85,440,000 |
| Noninterest-bearing deposits | 14,578,000 | 21,008,000 | 14,390,000 | 16,475,000 |
| Equity capital | 11,757,000 | 12,117,000 | 12,526,000 | 13,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,167,000 | 2,378,000 | 3,576,000 | 4,784,000 |
| Interest expense | 168,000 | 334,000 | 485,000 | 631,000 |
| Net interest income | 999,000 | 2,044,000 | 3,091,000 | 4,153,000 |
| Noninterest income | 69,000 | 147,000 | 237,000 | 323,000 |
| Noninterest expense | 571,000 | 1,162,000 | 1,729,000 | 2,414,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 497,000 | 1,090,000 | 1,696,000 | 2,209,000 |
| Income tax | 157,000 | 350,000 | 549,000 | 703,000 |
| Net income | 340,000 | 740,000 | 1,147,000 | 1,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,175,000 | 11,379,000 | 11,789,000 | 12,151,000 |
| Total capital | 12,106,000 | 12,391,000 | 12,803,000 | 12,805,000 |
| Risk-weighted assets | 88,400,000 | 88,558,000 | 88,351,000 | 96,472,000 |