Call reports 2008
WEST CENTRAL BANK — 2008
What WEST CENTRAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 58,445,000 | 54,606,000 | 59,615,000 | 67,403,000 |
| Total loans | 35,609,000 | 36,202,000 | 37,479,000 | 41,259,000 |
| Allowance for loan losses | 342,000 | 342,000 | 342,000 | 340,000 |
| Securities available for sale | 16,937,000 | 14,527,000 | 16,247,000 | 15,529,000 |
| Securities held to maturity | 841,000 | 797,000 | 1,419,000 | 1,419,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,223,000 | 44,654,000 | 49,459,000 | 56,751,000 |
| Interest-bearing deposits | 39,211,000 | 38,626,000 | 43,423,000 | 47,747,000 |
| Noninterest-bearing deposits | 9,012,000 | 6,028,000 | 6,036,000 | 9,004,000 |
| Equity capital | 8,433,000 | 8,138,000 | 8,354,000 | 8,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 855,000 | 1,629,000 | 2,435,000 | 3,260,000 |
| Interest expense | 362,000 | 673,000 | 1,026,000 | 1,379,000 |
| Net interest income | 493,000 | 956,000 | 1,409,000 | 1,881,000 |
| Noninterest income | 195,000 | 443,000 | 798,000 | 1,212,000 |
| Noninterest expense | 466,000 | 890,000 | 1,475,000 | 2,188,000 |
| Provision for loan losses | 0 | 0 | 12,000 | 12,000 |
| Pretax income | 269,000 | 553,000 | 763,000 | 930,000 |
| Income tax | 0 | 0 | 6,000 | 6,000 |
| Net income | 269,000 | 553,000 | 757,000 | 924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,887,000 | 8,026,000 | 8,001,000 | 7,888,000 |
| Total capital | 8,229,000 | 8,368,000 | 8,343,000 | 8,228,000 |
| Risk-weighted assets | 38,621,000 | 38,605,000 | 40,953,000 | 45,992,000 |