Call reports 2017
WESTERN BANK OF CLOVIS — 2017
What WESTERN BANK OF CLOVIS reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 62,357,000 | 59,417,000 | 56,287,000 | 83,681,000 |
| Total loans | 39,208,000 | 39,435,000 | 36,918,000 | 37,543,000 |
| Allowance for loan losses | 565,000 | 572,000 | 579,000 | 586,000 |
| Securities available for sale | 4,000 | 3,000 | 2,000 | 1,000 |
| Securities held to maturity | 15,455,000 | 14,734,000 | 14,296,000 | 13,842,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,470,000 | 45,074,000 | 41,912,000 | 65,895,000 |
| Interest-bearing deposits | 40,142,000 | 38,772,000 | 35,048,000 | 59,283,000 |
| Noninterest-bearing deposits | 6,328,000 | 6,302,000 | 6,864,000 | 6,612,000 |
| Equity capital | 7,978,000 | 8,101,000 | 8,201,000 | 8,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 637,000 | 1,314,000 | 1,978,000 | 2,645,000 |
| Interest expense | 60,000 | 124,000 | 182,000 | 256,000 |
| Net interest income | 577,000 | 1,190,000 | 1,796,000 | 2,389,000 |
| Noninterest income | 54,000 | 124,000 | 149,000 | 183,000 |
| Noninterest expense | 438,000 | 887,000 | 1,349,000 | 1,784,000 |
| Provision for loan losses | 7,000 | 13,000 | 20,000 | 26,000 |
| Pretax income | 186,000 | 414,000 | 576,000 | 762,000 |
| Income tax | 74,000 | 159,000 | 221,000 | 250,000 |
| Net income | 112,000 | 255,000 | 355,000 | 512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,978,000 | 8,101,000 | 8,201,000 | 8,358,000 |
| Total capital | 8,499,000 | 8,585,000 | 8,761,000 | 8,944,000 |
| Risk-weighted assets | 41,610,000 | 38,645,000 | 44,761,000 | 49,311,000 |