Call reports 2011
WEST CENTRAL BANK — 2011
What WEST CENTRAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 138,159,000 | 138,400,000 | 141,172,000 | 150,866,000 |
| Total loans | 85,806,000 | 93,864,000 | 92,687,000 | 97,223,000 |
| Allowance for loan losses | 873,000 | 1,002,000 | 1,000,000 | 925,000 |
| Securities available for sale | 39,041,000 | 33,429,000 | 32,309,000 | 30,920,000 |
| Securities held to maturity | 1,541,000 | 1,360,000 | 1,360,000 | 1,414,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,168,000 | 115,774,000 | 119,101,000 | 129,040,000 |
| Interest-bearing deposits | 99,533,000 | 96,474,000 | 98,691,000 | 98,256,000 |
| Noninterest-bearing deposits | 20,635,000 | 19,300,000 | 20,410,000 | 30,784,000 |
| Equity capital | 15,129,000 | 15,609,000 | 16,271,000 | 15,969,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,488,000 | 3,060,000 | 4,661,000 | 6,230,000 |
| Interest expense | 345,000 | 668,000 | 981,000 | 1,255,000 |
| Net interest income | 1,143,000 | 2,392,000 | 3,680,000 | 4,975,000 |
| Noninterest income | 335,000 | 731,000 | 1,238,000 | 1,735,000 |
| Noninterest expense | 1,095,000 | 2,281,000 | 3,573,000 | 4,977,000 |
| Provision for loan losses | 41,000 | 172,000 | 203,000 | 271,000 |
| Pretax income | 423,000 | 770,000 | 1,258,000 | 1,599,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 423,000 | 770,000 | 1,258,000 | 1,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,026,000 | 13,245,000 | 13,607,000 | 13,372,000 |
| Total capital | 13,899,000 | 14,247,000 | 14,607,000 | 14,297,000 |
| Risk-weighted assets | 81,387,000 | 87,244,000 | 89,232,000 | 97,234,000 |