Call reports 2007
WEST CENTRAL BANK — 2007
What WEST CENTRAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 52,325,000 | 51,583,000 | 55,402,000 | 56,924,000 |
| Total loans | 33,717,000 | 34,064,000 | 35,624,000 | 35,171,000 |
| Allowance for loan losses | 336,000 | 340,000 | 344,000 | 342,000 |
| Securities available for sale | 11,663,000 | 12,471,000 | 11,385,000 | 10,917,000 |
| Securities held to maturity | 1,052,000 | 941,000 | 941,000 | 841,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,558,000 | 41,901,000 | 44,792,000 | 46,132,000 |
| Interest-bearing deposits | 36,414,000 | 35,785,000 | 36,284,000 | 36,314,000 |
| Noninterest-bearing deposits | 6,144,000 | 6,116,000 | 8,508,000 | 9,818,000 |
| Equity capital | 7,940,000 | 7,866,000 | 8,299,000 | 8,527,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 813,000 | 1,618,000 | 2,454,000 | 3,318,000 |
| Interest expense | 356,000 | 715,000 | 1,080,000 | 1,445,000 |
| Net interest income | 457,000 | 903,000 | 1,374,000 | 1,873,000 |
| Noninterest income | 200,000 | 403,000 | 741,000 | 1,141,000 |
| Noninterest expense | 440,000 | 840,000 | 1,351,000 | 1,984,000 |
| Provision for loan losses | 0 | 0 | 0 | 96,000 |
| Pretax income | 218,000 | 467,000 | 753,000 | 930,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 218,000 | 467,000 | 753,000 | 930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,562,000 | 7,726,000 | 7,932,000 | 8,009,000 |
| Total capital | 7,898,000 | 8,066,000 | 8,276,000 | 8,351,000 |
| Risk-weighted assets | 36,508,000 | 36,544,000 | 39,173,000 | 39,466,000 |