Call reports 2013
WEST CENTRAL BANK — 2013
What WEST CENTRAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 164,437,000 | 155,625,000 | 162,661,000 | 180,460,000 |
| Total loans | 107,373,000 | 110,299,000 | 119,731,000 | 127,322,000 |
| Allowance for loan losses | 947,000 | 1,050,000 | 1,055,000 | 1,045,000 |
| Securities available for sale | 38,304,000 | 30,122,000 | 26,084,000 | 24,708,000 |
| Securities held to maturity | 1,362,000 | 1,308,000 | 1,024,000 | 1,024,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,716,000 | 136,347,000 | 140,136,000 | 159,657,000 |
| Interest-bearing deposits | 116,425,000 | 113,383,000 | 117,795,000 | 127,167,000 |
| Noninterest-bearing deposits | 27,291,000 | 22,964,000 | 22,341,000 | 32,490,000 |
| Equity capital | 16,275,000 | 15,330,000 | 15,175,000 | 14,853,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,556,000 | 3,154,000 | 4,774,000 | 6,450,000 |
| Interest expense | 223,000 | 443,000 | 671,000 | 906,000 |
| Net interest income | 1,333,000 | 2,711,000 | 4,103,000 | 5,544,000 |
| Noninterest income | 483,000 | 1,000,000 | 1,687,000 | 2,278,000 |
| Noninterest expense | 1,524,000 | 3,045,000 | 4,748,000 | 6,658,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 100,000 |
| Pretax income | 292,000 | 614,000 | 1,018,000 | 1,141,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 292,000 | 614,000 | 1,018,000 | 1,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,374,000 | 13,581,000 | 13,872,000 | 13,561,000 |
| Total capital | 14,321,000 | 14,631,000 | 14,927,000 | 14,606,000 |
| Risk-weighted assets | 106,040,000 | 106,557,000 | 116,349,000 | 125,864,000 |