Call reports 2018
WESTERN BANK OF CLOVIS — 2018
What WESTERN BANK OF CLOVIS reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 91,756,000 | 77,584,000 | 68,990,000 | 102,481,000 |
| Total loans | 37,868,000 | 39,255,000 | 38,605,000 | 37,429,000 |
| Allowance for loan losses | 592,000 | 599,000 | 607,000 | 614,000 |
| Securities available for sale | 1,000 | 1,000 | 0 | 0 |
| Securities held to maturity | 13,981,000 | 14,725,000 | 14,291,000 | 13,858,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,873,000 | 59,770,000 | 51,149,000 | 84,694,000 |
| Interest-bearing deposits | 66,583,000 | 52,623,000 | 43,516,000 | 60,679,000 |
| Noninterest-bearing deposits | 7,290,000 | 7,147,000 | 7,633,000 | 24,015,000 |
| Equity capital | 8,545,000 | 8,702,000 | 8,889,000 | 9,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 782,000 | 1,558,000 | 2,352,000 | 3,112,000 |
| Interest expense | 79,000 | 157,000 | 246,000 | 345,000 |
| Net interest income | 703,000 | 1,401,000 | 2,106,000 | 2,767,000 |
| Noninterest income | 54,000 | 72,000 | 92,000 | 110,000 |
| Noninterest expense | 467,000 | 940,000 | 1,403,000 | 1,866,000 |
| Provision for loan losses | 7,000 | 13,000 | 20,000 | 27,000 |
| Pretax income | 283,000 | 520,000 | 775,000 | 984,000 |
| Income tax | 71,000 | 131,000 | 199,000 | 250,000 |
| Net income | 212,000 | 389,000 | 576,000 | 734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,545,000 | 8,702,000 | 8,889,000 | 9,023,000 |
| Total capital | 9,137,000 | 9,301,000 | 9,456,000 | 9,637,000 |
| Risk-weighted assets | 50,955,000 | 49,644,000 | 45,382,000 | 51,438,000 |