Call reports 2014
WESTERN BANK OF CLOVIS — 2014
What WESTERN BANK OF CLOVIS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 51,497,000 | 50,596,000 | 51,414,000 | 52,014,000 |
| Total loans | 32,042,000 | 32,125,000 | 32,208,000 | 31,975,000 |
| Allowance for loan losses | 571,000 | 571,000 | 569,000 | 569,000 |
| Securities available for sale | 19,000 | 16,000 | 15,000 | 14,000 |
| Securities held to maturity | 14,392,000 | 14,175,000 | 15,845,000 | 15,557,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,764,000 | 37,083,000 | 34,656,000 | 38,867,000 |
| Interest-bearing deposits | 32,192,000 | 31,340,000 | 28,776,000 | 31,299,000 |
| Noninterest-bearing deposits | 5,572,000 | 5,743,000 | 5,880,000 | 7,568,000 |
| Equity capital | 6,870,000 | 6,915,000 | 6,976,000 | 7,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 663,000 | 1,272,000 | 1,907,000 | 2,538,000 |
| Interest expense | 72,000 | 138,000 | 200,000 | 257,000 |
| Net interest income | 591,000 | 1,134,000 | 1,707,000 | 2,281,000 |
| Noninterest income | 26,000 | 51,000 | 78,000 | 102,000 |
| Noninterest expense | 475,000 | 962,000 | 1,475,000 | 1,971,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 142,000 | 223,000 | 310,000 | 412,000 |
| Income tax | 59,000 | 95,000 | 121,000 | 155,000 |
| Net income | 83,000 | 128,000 | 189,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,870,000 | 6,915,000 | 6,976,000 | 7,044,000 |
| Total capital | 7,365,000 | 7,401,000 | 7,456,000 | 7,533,000 |
| Risk-weighted assets | 39,525,000 | 38,828,000 | 38,787,000 | 39,030,000 |
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