Call reports 2012
WEST CENTRAL BANK — 2012
What WEST CENTRAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 152,269,000 | 151,621,000 | 156,087,000 | 161,221,000 |
| Total loans | 92,637,000 | 98,593,000 | 103,434,000 | 110,260,000 |
| Allowance for loan losses | 926,000 | 953,000 | 967,000 | 966,000 |
| Securities available for sale | 46,198,000 | 41,488,000 | 39,710,000 | 34,203,000 |
| Securities held to maturity | 1,414,000 | 1,362,000 | 1,362,000 | 1,272,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,455,000 | 129,985,000 | 134,639,000 | 140,482,000 |
| Interest-bearing deposits | 105,334,000 | 106,862,000 | 110,598,000 | 110,658,000 |
| Noninterest-bearing deposits | 25,121,000 | 23,123,000 | 24,041,000 | 29,824,000 |
| Equity capital | 15,887,000 | 16,481,000 | 17,082,000 | 16,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,533,000 | 3,074,000 | 4,675,000 | 6,271,000 |
| Interest expense | 272,000 | 534,000 | 794,000 | 1,041,000 |
| Net interest income | 1,261,000 | 2,540,000 | 3,881,000 | 5,230,000 |
| Noninterest income | 407,000 | 817,000 | 1,383,000 | 1,953,000 |
| Noninterest expense | 1,289,000 | 2,498,000 | 3,906,000 | 5,614,000 |
| Provision for loan losses | 28,000 | 53,000 | 73,000 | 118,000 |
| Pretax income | 351,000 | 912,000 | 1,396,000 | 1,693,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 351,000 | 912,000 | 1,396,000 | 1,693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,580,000 | 13,997,000 | 14,187,000 | 13,196,000 |
| Total capital | 14,506,000 | 14,950,000 | 15,154,000 | 14,162,000 |
| Risk-weighted assets | 92,923,000 | 97,357,000 | 99,284,000 | 107,059,000 |