Call reports 2016
WEST IOWA BANK — 2016
What WEST IOWA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 117,068,000 | 117,199,000 | 116,992,000 | 124,888,000 |
| Total loans | 73,114,000 | 67,056,000 | 68,887,000 | 70,183,000 |
| Allowance for loan losses | 756,000 | 757,000 | 758,000 | 741,000 |
| Securities available for sale | 27,809,000 | 32,819,000 | 33,597,000 | 36,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,565,000 | 101,394,000 | 100,996,000 | 109,257,000 |
| Interest-bearing deposits | 84,871,000 | 84,213,000 | 82,921,000 | 86,365,000 |
| Noninterest-bearing deposits | 16,694,000 | 17,181,000 | 18,075,000 | 22,892,000 |
| Equity capital | 14,512,000 | 14,836,000 | 15,033,000 | 14,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,124,000 | 2,167,000 | 3,207,000 | 4,223,000 |
| Interest expense | 143,000 | 287,000 | 429,000 | 575,000 |
| Net interest income | 981,000 | 1,880,000 | 2,778,000 | 3,648,000 |
| Noninterest income | 80,000 | 170,000 | 262,000 | 348,000 |
| Noninterest expense | 620,000 | 1,230,000 | 1,825,000 | 2,464,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 533,000 | 1,031,000 | 1,456,000 | 1,805,000 |
| Income tax | 173,000 | 334,000 | 467,000 | 571,000 |
| Net income | 360,000 | 697,000 | 989,000 | 1,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,362,000 | 13,701,000 | 13,995,000 | 14,242,000 |
| Total capital | 14,118,000 | 14,458,000 | 14,753,000 | 14,983,000 |
| Risk-weighted assets | 86,904,000 | 81,239,000 | 82,745,000 | 89,123,000 |