Call reports 2011
WESTERN BANK OF CLOVIS — 2011
What WESTERN BANK OF CLOVIS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 52,771,000 | 52,600,000 | 52,780,000 | 52,040,000 |
| Total loans | 35,972,000 | 36,104,000 | 36,221,000 | 33,967,000 |
| Allowance for loan losses | 579,000 | 579,000 | 579,000 | 579,000 |
| Securities available for sale | 46,000 | 41,000 | 39,000 | 37,000 |
| Securities held to maturity | 10,069,000 | 9,353,000 | 9,543,000 | 9,577,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,849,000 | 39,036,000 | 39,282,000 | 39,095,000 |
| Interest-bearing deposits | 33,066,000 | 33,849,000 | 33,575,000 | 33,503,000 |
| Noninterest-bearing deposits | 5,783,000 | 5,187,000 | 5,707,000 | 5,592,000 |
| Equity capital | 6,413,000 | 6,577,000 | 6,678,000 | 6,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 734,000 | 1,499,000 | 2,252,000 | 2,986,000 |
| Interest expense | 144,000 | 278,000 | 411,000 | 535,000 |
| Net interest income | 590,000 | 1,221,000 | 1,841,000 | 2,451,000 |
| Noninterest income | 35,000 | 59,000 | 85,000 | 116,000 |
| Noninterest expense | 419,000 | 834,000 | 1,259,000 | 1,686,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 206,000 | 446,000 | 667,000 | 881,000 |
| Income tax | 80,000 | 156,000 | 236,000 | 327,000 |
| Net income | 126,000 | 290,000 | 431,000 | 554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,413,000 | 6,577,000 | 6,678,000 | 6,301,000 |
| Total capital | 6,950,000 | 7,116,000 | 7,217,000 | 6,836,000 |
| Risk-weighted assets | 43,200,000 | 43,253,000 | 43,076,000 | 42,767,000 |
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