Call reports 2019
WEST IOWA BANK — 2019
What WEST IOWA BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 135,109,000 | 134,814,000 | 135,454,000 | 135,753,000 |
| Total loans | 88,531,000 | 91,219,000 | 89,957,000 | 93,893,000 |
| Allowance for loan losses | 1,101,000 | 1,117,000 | 1,117,000 | 1,145,000 |
| Securities available for sale | 31,187,000 | 31,062,000 | 28,844,000 | 26,319,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,785,000 | 111,029,000 | 111,002,000 | 111,062,000 |
| Interest-bearing deposits | 90,346,000 | 90,567,000 | 90,090,000 | 87,303,000 |
| Noninterest-bearing deposits | 21,439,000 | 20,462,000 | 20,912,000 | 23,759,000 |
| Equity capital | 17,402,000 | 17,903,000 | 18,467,000 | 18,858,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,437,000 | 2,900,000 | 4,365,000 | 5,813,000 |
| Interest expense | 250,000 | 508,000 | 775,000 | 1,044,000 |
| Net interest income | 1,187,000 | 2,392,000 | 3,590,000 | 4,769,000 |
| Noninterest income | 71,000 | 153,000 | 242,000 | 332,000 |
| Noninterest expense | 689,000 | 1,371,000 | 2,056,000 | 2,765,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 553,000 | 1,143,000 | 1,730,000 | 2,275,000 |
| Income tax | 125,000 | 259,000 | 386,000 | 509,000 |
| Net income | 428,000 | 884,000 | 1,344,000 | 1,766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,890,000 | 17,075,000 | 17,536,000 | 17,957,000 |
| Total capital | 17,991,000 | 18,192,000 | 18,653,000 | 19,102,000 |
| Risk-weighted assets | 99,476,000 | 100,651,000 | 97,447,000 | 103,332,000 |