Call reports 2022
WESTERN BANK OF CLOVIS — 2022
What WESTERN BANK OF CLOVIS reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 68,246,000 | 64,392,000 | 64,486,000 | 66,450,000 |
| Total loans | 44,160,000 | 45,096,000 | 50,956,000 | 53,035,000 |
| Allowance for loan losses | 692,000 | 692,000 | 692,000 | 692,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,256,000 | 7,924,000 | 8,217,000 | 8,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,432,000 | 47,211,000 | 47,879,000 | 45,490,000 |
| Interest-bearing deposits | 36,734,000 | 34,387,000 | 34,066,000 | 28,731,000 |
| Noninterest-bearing deposits | 13,698,000 | 12,824,000 | 13,813,000 | 16,759,000 |
| Equity capital | 9,691,000 | 9,801,000 | 9,939,000 | 10,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 623,000 | 1,279,000 | 2,011,000 | 2,873,000 |
| Interest expense | 71,000 | 138,000 | 201,000 | 260,000 |
| Net interest income | 552,000 | 1,141,000 | 1,810,000 | 2,613,000 |
| Noninterest income | 21,000 | 38,000 | 89,000 | 109,000 |
| Noninterest expense | 465,000 | 946,000 | 1,452,000 | 1,967,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 108,000 | 233,000 | 447,000 | 755,000 |
| Income tax | 29,000 | 44,000 | 95,000 | 180,000 |
| Net income | 79,000 | 189,000 | 352,000 | 575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,691,000 | 9,801,000 | 9,939,000 | 10,002,000 |
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