Call reports 2003
WEST CENTRAL BANK — 2003
What WEST CENTRAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 51,826,000 | 52,334,000 | 52,616,000 | 57,739,000 |
| Total loans | 33,092,000 | 33,338,000 | 34,464,000 | 34,997,000 |
| Allowance for loan losses | 394,000 | 368,000 | 367,000 | 311,000 |
| Securities available for sale | 11,821,000 | 13,200,000 | 11,796,000 | 11,620,000 |
| Securities held to maturity | 2,409,000 | 2,298,000 | 2,522,000 | 2,672,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,459,000 | 40,341,000 | 40,127,000 | 45,311,000 |
| Interest-bearing deposits | 35,392,000 | 35,428,000 | 34,370,000 | 34,471,000 |
| Noninterest-bearing deposits | 5,067,000 | 4,913,000 | 5,757,000 | 10,840,000 |
| Equity capital | 6,632,000 | 6,814,000 | 6,852,000 | 6,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 750,000 | 1,486,000 | 2,228,000 | 2,962,000 |
| Interest expense | 272,000 | 538,000 | 791,000 | 1,039,000 |
| Net interest income | 478,000 | 948,000 | 1,437,000 | 1,923,000 |
| Noninterest income | 159,000 | 300,000 | 445,000 | 648,000 |
| Noninterest expense | 334,000 | 721,000 | 1,094,000 | 1,653,000 |
| Provision for loan losses | 10,000 | 0 | 0 | 0 |
| Pretax income | 293,000 | 527,000 | 788,000 | 918,000 |
| Income tax | 52,000 | 123,000 | 195,000 | 227,000 |
| Net income | 241,000 | 404,000 | 593,000 | 691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,185,000 | 6,308,000 | 6,497,000 | 6,395,000 |
| Total capital | 6,579,000 | 6,676,000 | 6,864,000 | 6,706,000 |
| Risk-weighted assets | 35,769,000 | 35,857,000 | 37,470,000 | 39,138,000 |