Call reports 2010
WESTERN BANK OF CLOVIS — 2010
What WESTERN BANK OF CLOVIS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 45,964,000 | 49,265,000 | 53,355,000 | 52,682,000 |
| Total loans | 30,145,000 | 31,085,000 | 36,253,000 | 35,684,000 |
| Allowance for loan losses | 589,000 | 582,000 | 582,000 | 583,000 |
| Securities available for sale | 62,000 | 60,000 | 58,000 | 56,000 |
| Securities held to maturity | 7,245,000 | 9,746,000 | 9,402,000 | 8,978,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,341,000 | 35,471,000 | 39,679,000 | 39,105,000 |
| Interest-bearing deposits | 30,372,000 | 30,371,000 | 32,818,000 | 32,704,000 |
| Noninterest-bearing deposits | 4,969,000 | 5,100,000 | 6,861,000 | 6,401,000 |
| Equity capital | 5,956,000 | 6,020,000 | 6,158,000 | 6,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 623,000 | 1,297,000 | 2,103,000 | 2,875,000 |
| Interest expense | 137,000 | 284,000 | 438,000 | 590,000 |
| Net interest income | 486,000 | 1,013,000 | 1,665,000 | 2,285,000 |
| Noninterest income | 27,000 | 52,000 | 81,000 | 103,000 |
| Noninterest expense | 420,000 | 859,000 | 1,276,000 | 1,698,000 |
| Provision for loan losses | 4,000 | -13,000 | -13,000 | -13,000 |
| Pretax income | 89,000 | 219,000 | 483,000 | 703,000 |
| Income tax | 40,000 | 86,000 | 180,000 | 271,000 |
| Net income | 49,000 | 133,000 | 303,000 | 432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,956,000 | 6,020,000 | 6,158,000 | 6,287,000 |
| Total capital | 6,440,000 | 6,517,000 | 6,711,000 | 6,832,000 |
| Risk-weighted assets | 38,596,000 | 39,682,000 | 44,226,000 | 43,856,000 |
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