Call reports 2015
WEST IOWA BANK — 2015
What WEST IOWA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 122,093,000 | 121,049,000 | 118,318,000 | 121,518,000 |
| Total loans | 75,688,000 | 74,309,000 | 73,849,000 | 77,014,000 |
| Allowance for loan losses | 658,000 | 704,000 | 754,000 | 755,000 |
| Securities available for sale | 29,910,000 | 28,534,000 | 29,076,000 | 30,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,097,000 | 103,418,000 | 101,216,000 | 102,778,000 |
| Interest-bearing deposits | 87,794,000 | 88,227,000 | 86,821,000 | 85,446,000 |
| Noninterest-bearing deposits | 15,303,000 | 15,191,000 | 14,395,000 | 17,332,000 |
| Equity capital | 13,717,000 | 13,472,000 | 13,951,000 | 14,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,183,000 | 2,353,000 | 3,507,000 | 4,643,000 |
| Interest expense | 144,000 | 293,000 | 443,000 | 592,000 |
| Net interest income | 1,039,000 | 2,060,000 | 3,064,000 | 4,051,000 |
| Noninterest income | 75,000 | 162,000 | 254,000 | 341,000 |
| Noninterest expense | 592,000 | 1,143,000 | 1,716,000 | 2,340,000 |
| Provision for loan losses | 5,000 | 50,000 | 100,000 | 100,000 |
| Pretax income | 553,000 | 1,096,000 | 1,621,000 | 2,088,000 |
| Income tax | 178,000 | 353,000 | 519,000 | 666,000 |
| Net income | 375,000 | 743,000 | 1,102,000 | 1,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,555,000 | 12,624,000 | 12,984,000 | 13,306,000 |
| Total capital | 13,213,000 | 13,328,000 | 13,738,000 | 14,061,000 |
| Risk-weighted assets | 93,148,000 | 90,048,000 | 88,785,000 | 94,049,000 |