Call reports 2006
WEST CENTRAL BANK — 2006
What WEST CENTRAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 48,679,000 | 49,901,000 | 51,592,000 | 52,939,000 |
| Total loans | 33,092,000 | 33,427,000 | 34,157,000 | 34,530,000 |
| Allowance for loan losses | 346,000 | 346,000 | 390,000 | 344,000 |
| Securities available for sale | 8,987,000 | 10,230,000 | 12,022,000 | 10,353,000 |
| Securities held to maturity | 1,094,000 | 1,052,000 | 1,052,000 | 1,052,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,703,000 | 38,934,000 | 41,214,000 | 42,850,000 |
| Interest-bearing deposits | 32,415,000 | 33,353,000 | 35,754,000 | 35,394,000 |
| Noninterest-bearing deposits | 5,288,000 | 5,581,000 | 5,460,000 | 7,456,000 |
| Equity capital | 7,409,000 | 7,409,000 | 7,749,000 | 7,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 694,000 | 1,415,000 | 2,162,000 | 2,954,000 |
| Interest expense | 250,000 | 539,000 | 870,000 | 1,213,000 |
| Net interest income | 444,000 | 876,000 | 1,292,000 | 1,741,000 |
| Noninterest income | 248,000 | 445,000 | 745,000 | 1,052,000 |
| Noninterest expense | 403,000 | 799,000 | 1,281,000 | 1,856,000 |
| Provision for loan losses | 0 | 10,000 | 50,000 | 125,000 |
| Pretax income | 245,000 | 468,000 | 630,000 | 632,000 |
| Income tax | 0 | 0 | 0 | -207,000 |
| Net income | 245,000 | 468,000 | 630,000 | 839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,234,000 | 7,376,000 | 7,533,000 | 7,343,000 |
| Total capital | 7,580,000 | 7,722,000 | 7,923,000 | 7,687,000 |
| Risk-weighted assets | 36,002,000 | 36,871,000 | 37,398,000 | 38,769,000 |