Call reports 2004
WEST CENTRAL BANK — 2004
What WEST CENTRAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 53,703,000 | 51,306,000 | 56,623,000 | 59,703,000 |
| Total loans | 34,601,000 | 33,578,000 | 35,224,000 | 36,070,000 |
| Allowance for loan losses | 318,000 | 324,000 | 323,000 | 336,000 |
| Securities available for sale | 12,513,000 | 12,057,000 | 11,612,000 | 10,172,000 |
| Securities held to maturity | 2,672,000 | 2,566,000 | 2,565,000 | 2,358,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,887,000 | 39,657,000 | 43,758,000 | 47,977,000 |
| Interest-bearing deposits | 34,828,000 | 34,788,000 | 35,909,000 | 36,246,000 |
| Noninterest-bearing deposits | 6,059,000 | 4,869,000 | 7,849,000 | 11,731,000 |
| Equity capital | 7,035,000 | 6,869,000 | 7,225,000 | 7,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 713,000 | 1,405,000 | 2,108,000 | 2,835,000 |
| Interest expense | 238,000 | 470,000 | 708,000 | 957,000 |
| Net interest income | 475,000 | 935,000 | 1,400,000 | 1,878,000 |
| Noninterest income | 151,000 | 320,000 | 470,000 | 669,000 |
| Noninterest expense | 364,000 | 759,000 | 1,128,000 | 1,619,000 |
| Provision for loan losses | 0 | 5,000 | 10,000 | 26,000 |
| Pretax income | 262,000 | 491,000 | 732,000 | 917,000 |
| Income tax | 65,000 | 130,000 | 194,000 | 215,000 |
| Net income | 197,000 | 361,000 | 538,000 | 702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,593,000 | 6,716,000 | 6,893,000 | 6,857,000 |
| Total capital | 6,911,000 | 7,040,000 | 7,216,000 | 7,193,000 |
| Risk-weighted assets | 38,348,000 | 36,823,000 | 38,873,000 | 39,765,000 |