Call reports 2010
WEST CENTRAL BANK — 2010
What WEST CENTRAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 125,378,000 | 125,448,000 | 125,643,000 | 130,817,000 |
| Total loans | 68,727,000 | 75,636,000 | 82,670,000 | 87,946,000 |
| Allowance for loan losses | 763,000 | 795,000 | 815,000 | 855,000 |
| Securities available for sale | 40,696,000 | 35,779,000 | 27,638,000 | 22,553,000 |
| Securities held to maturity | 1,729,000 | 1,662,000 | 1,662,000 | 1,590,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,371,000 | 107,384,000 | 105,803,000 | 111,974,000 |
| Interest-bearing deposits | 87,603,000 | 89,785,000 | 75,317,000 | 89,487,000 |
| Noninterest-bearing deposits | 17,768,000 | 17,599,000 | 30,486,000 | 22,487,000 |
| Equity capital | 14,901,000 | 14,705,000 | 15,172,000 | 14,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,366,000 | 2,760,000 | 4,210,000 | 5,692,000 |
| Interest expense | 413,000 | 802,000 | 1,164,000 | 1,515,000 |
| Net interest income | 953,000 | 1,958,000 | 3,046,000 | 4,177,000 |
| Noninterest income | 368,000 | 219,000 | 1,290,000 | 1,095,000 |
| Noninterest expense | 959,000 | 2,112,000 | 3,724,000 | 4,451,000 |
| Provision for loan losses | 16,000 | 35,000 | 53,000 | 157,000 |
| Pretax income | 327,000 | 99,000 | 561,000 | 835,000 |
| Income tax | 1,000 | 1,000 | 0 | 1,000 |
| Net income | 326,000 | 98,000 | 561,000 | 834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,638,000 | 12,346,000 | 12,746,000 | 12,731,000 |
| Total capital | 13,401,000 | 13,141,000 | 13,561,000 | 13,586,000 |
| Risk-weighted assets | 78,383,000 | 81,519,000 | 86,564,000 | 88,235,000 |