Call reports 2002
WEST CENTRAL BANK — 2002
What WEST CENTRAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 47,313,000 | 47,940,000 | 48,415,000 | 52,666,000 |
| Total loans | 30,935,000 | 31,483,000 | 32,906,000 | 33,492,000 |
| Allowance for loan losses | 320,000 | 327,000 | 333,000 | 329,000 |
| Securities available for sale | 9,319,000 | 10,704,000 | 9,838,000 | 9,759,000 |
| Securities held to maturity | 2,119,000 | 2,014,000 | 2,014,000 | 1,913,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,707,000 | 38,058,000 | 37,140,000 | 41,546,000 |
| Interest-bearing deposits | 33,655,000 | 33,002,000 | 32,275,000 | 33,046,000 |
| Noninterest-bearing deposits | 5,052,000 | 5,056,000 | 4,865,000 | 8,500,000 |
| Equity capital | 5,926,000 | 6,219,000 | 6,491,000 | 6,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 738,000 | 1,492,000 | 2,255,000 | 3,024,000 |
| Interest expense | 299,000 | 607,000 | 909,000 | 1,200,000 |
| Net interest income | 439,000 | 885,000 | 1,346,000 | 1,824,000 |
| Noninterest income | 134,000 | 261,000 | 440,000 | 610,000 |
| Noninterest expense | 327,000 | 674,000 | 1,030,000 | 1,548,000 |
| Provision for loan losses | 11,000 | 26,000 | 41,000 | 56,000 |
| Pretax income | 243,000 | 454,000 | 732,000 | 847,000 |
| Income tax | 61,000 | 123,000 | 204,000 | 227,000 |
| Net income | 182,000 | 331,000 | 528,000 | 620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,732,000 | 5,847,000 | 6,049,000 | 5,954,000 |
| Total capital | 6,052,000 | 6,174,000 | 6,382,000 | 6,283,000 |
| Risk-weighted assets | 33,763,000 | 34,617,000 | 35,185,000 | 36,462,000 |