Call reports 2014
WEST CENTRAL BANK — 2014
What WEST CENTRAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 192,026,000 | 193,034,000 | 199,943,000 | 207,292,000 |
| Total loans | 126,765,000 | 131,186,000 | 137,098,000 | 147,327,000 |
| Allowance for loan losses | 1,039,000 | 1,019,000 | 1,009,000 | 904,000 |
| Securities available for sale | 36,410,000 | 39,205,000 | 40,756,000 | 36,603,000 |
| Securities held to maturity | 1,024,000 | 967,000 | 967,000 | 1,057,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,579,000 | 172,572,000 | 180,717,000 | 187,866,000 |
| Interest-bearing deposits | 144,337,000 | 147,448,000 | 154,710,000 | 157,483,000 |
| Noninterest-bearing deposits | 27,242,000 | 25,124,000 | 26,007,000 | 30,383,000 |
| Equity capital | 15,455,000 | 15,971,000 | 16,326,000 | 16,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,676,000 | 3,431,000 | 5,297,000 | 7,220,000 |
| Interest expense | 258,000 | 538,000 | 827,000 | 1,121,000 |
| Net interest income | 1,418,000 | 2,893,000 | 4,470,000 | 6,099,000 |
| Noninterest income | 551,000 | 1,087,000 | 1,716,000 | 2,398,000 |
| Noninterest expense | 1,684,000 | 3,510,000 | 5,251,000 | 7,260,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 215,000 |
| Pretax income | 201,000 | 386,000 | 792,000 | 944,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 201,000 | 386,000 | 792,000 | 944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,712,000 | 13,847,000 | 14,172,000 | 14,050,000 |
| Total capital | 14,751,000 | 14,866,000 | 15,180,000 | 14,954,000 |
| Risk-weighted assets | 127,502,000 | 130,187,000 | 137,514,000 | 147,559,000 |