Call reports 2016
WESTERN BANK OF CLOVIS — 2016
What WESTERN BANK OF CLOVIS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 58,464,000 | 61,146,000 | 59,316,000 | 63,124,000 |
| Total loans | 41,185,000 | 40,337,000 | 39,655,000 | 39,097,000 |
| Allowance for loan losses | 573,000 | 573,000 | 577,000 | 584,000 |
| Securities available for sale | 6,000 | 6,000 | 5,000 | 4,000 |
| Securities held to maturity | 13,336,000 | 12,237,000 | 10,280,000 | 10,784,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,641,000 | 45,363,000 | 43,481,000 | 47,319,000 |
| Interest-bearing deposits | 36,059,000 | 39,308,000 | 36,752,000 | 40,183,000 |
| Noninterest-bearing deposits | 6,582,000 | 6,055,000 | 6,729,000 | 7,136,000 |
| Equity capital | 7,598,000 | 7,674,000 | 7,815,000 | 7,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 691,000 | 1,364,000 | 2,020,000 | 2,657,000 |
| Interest expense | 55,000 | 112,000 | 173,000 | 233,000 |
| Net interest income | 636,000 | 1,252,000 | 1,847,000 | 2,424,000 |
| Noninterest income | 24,000 | 50,000 | 78,000 | 95,000 |
| Noninterest expense | 470,000 | 960,000 | 1,393,000 | 1,853,000 |
| Provision for loan losses | 0 | 0 | 4,000 | 11,000 |
| Pretax income | 190,000 | 342,000 | 528,000 | 655,000 |
| Income tax | 77,000 | 152,000 | 197,000 | 238,000 |
| Net income | 113,000 | 190,000 | 331,000 | 417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,598,000 | 7,674,000 | 7,815,000 | 7,886,000 |
| Total capital | 8,047,000 | 8,189,000 | 8,380,000 | 8,465,000 |
| Risk-weighted assets | 35,858,000 | 41,150,000 | 45,215,000 | 46,315,000 |