Call reports 2019
WESTERN BANK OF CLOVIS — 2019
What WESTERN BANK OF CLOVIS reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 98,855,000 | 60,699,000 | 71,043,000 | 74,853,000 |
| Total loans | 36,655,000 | 38,780,000 | 41,541,000 | 43,680,000 |
| Allowance for loan losses | 621,000 | 627,000 | 634,000 | 640,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,518,000 | 13,023,000 | 12,520,000 | 11,881,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,937,000 | 41,961,000 | 48,316,000 | 49,975,000 |
| Interest-bearing deposits | 56,743,000 | 34,127,000 | 39,775,000 | 37,559,000 |
| Noninterest-bearing deposits | 24,194,000 | 7,834,000 | 8,541,000 | 12,416,000 |
| Equity capital | 9,240,000 | 9,444,000 | 9,591,000 | 9,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 923,000 | 1,765,000 | 2,524,000 | 3,344,000 |
| Interest expense | 93,000 | 179,000 | 290,000 | 401,000 |
| Net interest income | 830,000 | 1,586,000 | 2,234,000 | 2,943,000 |
| Noninterest income | 16,000 | 34,000 | 52,000 | 72,000 |
| Noninterest expense | 481,000 | 970,000 | 1,400,000 | 1,857,000 |
| Provision for loan losses | 7,000 | 13,000 | 20,000 | 26,000 |
| Pretax income | 358,000 | 637,000 | 866,000 | 1,132,000 |
| Income tax | 90,000 | 166,000 | 223,000 | 281,000 |
| Net income | 268,000 | 471,000 | 643,000 | 851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,240,000 | 9,444,000 | 9,591,000 | 9,799,000 |
| Total capital | 9,861,000 | 10,010,000 | 10,211,000 | 10,434,000 |
| Risk-weighted assets | 51,570,000 | 45,256,000 | 49,612,000 | 50,817,000 |
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