Call reports 2009
WEST CENTRAL BANK — 2009
What WEST CENTRAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 62,533,000 | 62,310,000 | 65,692,000 | 126,637,000 |
| Total loans | 37,917,000 | 38,025,000 | 39,813,000 | 68,556,000 |
| Allowance for loan losses | 342,000 | 341,000 | 339,000 | 829,000 |
| Securities available for sale | 19,223,000 | 17,214,000 | 16,279,000 | 39,084,000 |
| Securities held to maturity | 1,419,000 | 1,516,000 | 1,516,000 | 1,774,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,321,000 | 51,957,000 | 53,590,000 | 103,828,000 |
| Interest-bearing deposits | 44,880,000 | 44,606,000 | 40,669,000 | 83,590,000 |
| Noninterest-bearing deposits | 6,441,000 | 7,351,000 | 12,921,000 | 20,238,000 |
| Equity capital | 8,547,000 | 8,494,000 | 8,865,000 | 14,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 775,000 | 1,564,000 | 2,348,000 | 5,729,000 |
| Interest expense | 324,000 | 613,000 | 872,000 | 2,022,000 |
| Net interest income | 451,000 | 951,000 | 1,476,000 | 3,707,000 |
| Noninterest income | 178,000 | 395,000 | 754,000 | 1,656,000 |
| Noninterest expense | 456,000 | 959,000 | 1,518,000 | 4,563,000 |
| Provision for loan losses | 6,000 | 6,000 | 6,000 | 65,000 |
| Pretax income | 167,000 | 396,000 | 732,000 | 1,027,000 |
| Income tax | 6,000 | 6,000 | 6,000 | 10,000 |
| Net income | 161,000 | 390,000 | 726,000 | 1,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,702,000 | 7,851,000 | 8,090,000 | 12,407,000 |
| Total capital | 8,044,000 | 8,192,000 | 8,429,000 | 13,236,000 |
| Risk-weighted assets | 44,129,000 | 43,572,000 | 45,527,000 | 86,675,000 |