Call reports 2015
WESTERN BANK OF CLOVIS — 2015
What WESTERN BANK OF CLOVIS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 56,495,000 | 58,703,000 | 59,338,000 | 58,802,000 |
| Total loans | 32,833,000 | 40,551,000 | 42,145,000 | 41,757,000 |
| Allowance for loan losses | 569,000 | 569,000 | 572,000 | 572,000 |
| Securities available for sale | 12,000 | 10,000 | 9,000 | 8,000 |
| Securities held to maturity | 15,248,000 | 14,577,000 | 14,262,000 | 13,908,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,510,000 | 43,683,000 | 42,525,000 | 41,341,000 |
| Interest-bearing deposits | 35,204,000 | 36,898,000 | 34,801,000 | 34,514,000 |
| Noninterest-bearing deposits | 8,306,000 | 6,785,000 | 7,724,000 | 6,827,000 |
| Equity capital | 7,093,000 | 7,256,000 | 7,398,000 | 7,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 613,000 | 1,328,000 | 2,063,000 | 2,786,000 |
| Interest expense | 54,000 | 109,000 | 162,000 | 217,000 |
| Net interest income | 559,000 | 1,219,000 | 1,901,000 | 2,569,000 |
| Noninterest income | 20,000 | 80,000 | 103,000 | 123,000 |
| Noninterest expense | 498,000 | 981,000 | 1,429,000 | 1,912,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 81,000 | 318,000 | 575,000 | 780,000 |
| Income tax | 32,000 | 106,000 | 201,000 | 293,000 |
| Net income | 49,000 | 212,000 | 374,000 | 487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,093,000 | 7,256,000 | 7,398,000 | 7,511,000 |
| Total capital | 7,662,000 | 7,758,000 | 7,859,000 | 7,962,000 |
| Risk-weighted assets | 45,809,000 | 40,073,000 | 36,811,000 | 35,990,000 |
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