Call reports 2012
WESTERN BANK OF CLOVIS — 2012
What WESTERN BANK OF CLOVIS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 48,110,000 | 47,966,000 | 50,072,000 | 52,746,000 |
| Total loans | 32,173,000 | 32,402,000 | 31,583,000 | 31,665,000 |
| Allowance for loan losses | 581,000 | 581,000 | 582,000 | 584,000 |
| Securities available for sale | 36,000 | 35,000 | 33,000 | 32,000 |
| Securities held to maturity | 10,626,000 | 11,371,000 | 13,834,000 | 17,209,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,376,000 | 36,395,000 | 36,814,000 | 38,070,000 |
| Interest-bearing deposits | 31,016,000 | 30,844,000 | 30,875,000 | 32,072,000 |
| Noninterest-bearing deposits | 5,360,000 | 5,551,000 | 5,939,000 | 5,998,000 |
| Equity capital | 6,439,000 | 6,517,000 | 6,642,000 | 6,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 710,000 | 1,384,000 | 2,059,000 | 2,763,000 |
| Interest expense | 100,000 | 192,000 | 270,000 | 354,000 |
| Net interest income | 610,000 | 1,192,000 | 1,789,000 | 2,409,000 |
| Noninterest income | 27,000 | 55,000 | 76,000 | 103,000 |
| Noninterest expense | 412,000 | 840,000 | 1,257,000 | 1,738,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 225,000 | 407,000 | 608,000 | 774,000 |
| Income tax | 87,000 | 141,000 | 217,000 | 286,000 |
| Net income | 138,000 | 266,000 | 391,000 | 488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,439,000 | 6,517,000 | 6,642,000 | 6,738,000 |
| Total capital | 6,911,000 | 6,993,000 | 7,124,000 | 7,219,000 |
| Risk-weighted assets | 37,684,000 | 38,551,000 | 38,445,000 | 38,639,000 |
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