Call reports 2020
WESTERN BANK OF CLOVIS — 2020
What WESTERN BANK OF CLOVIS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 67,637,000 | 75,464,000 | 76,424,000 | 69,765,000 |
| Total loans | 43,722,000 | 51,847,000 | 52,760,000 | 51,842,000 |
| Allowance for loan losses | 647,000 | 752,000 | 659,000 | 665,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,405,000 | 10,583,000 | 9,553,000 | 8,655,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,034,000 | 46,610,000 | 48,005,000 | 49,649,000 |
| Interest-bearing deposits | 35,644,000 | 36,362,000 | 37,588,000 | 38,110,000 |
| Noninterest-bearing deposits | 7,390,000 | 10,248,000 | 10,417,000 | 11,539,000 |
| Equity capital | 9,941,000 | 9,764,000 | 9,868,000 | 10,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 798,000 | 1,639,000 | 2,352,000 | 3,105,000 |
| Interest expense | 114,000 | 223,000 | 321,000 | 404,000 |
| Net interest income | 684,000 | 1,416,000 | 2,031,000 | 2,701,000 |
| Noninterest income | 21,000 | 95,000 | 54,000 | 239,000 |
| Noninterest expense | 474,000 | 961,000 | 1,446,000 | 1,975,000 |
| Provision for loan losses | 6,000 | 114,000 | 20,000 | 26,000 |
| Pretax income | 225,000 | 436,000 | 619,000 | 939,000 |
| Income tax | 58,000 | 115,000 | 160,000 | 233,000 |
| Net income | 167,000 | 321,000 | 459,000 | 706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,941,000 | 9,764,000 | 9,868,000 | 10,072,000 |
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