Call reports 2015
WEST CENTRAL BANK — 2015
What WEST CENTRAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 196,343,000 | 197,880,000 | 202,079,000 | 203,320,000 |
| Total loans | 145,686,000 | 148,560,000 | 148,877,000 | 153,589,000 |
| Allowance for loan losses | 899,000 | 928,000 | 1,001,000 | 1,100,000 |
| Securities available for sale | 34,162,000 | 34,020,000 | 31,408,000 | 31,928,000 |
| Securities held to maturity | 936,000 | 829,000 | 739,000 | 739,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,359,000 | 175,578,000 | 180,193,000 | 181,094,000 |
| Interest-bearing deposits | 150,986,000 | 151,055,000 | 149,848,000 | 149,345,000 |
| Noninterest-bearing deposits | 25,373,000 | 24,523,000 | 30,345,000 | 31,749,000 |
| Equity capital | 16,915,000 | 16,707,000 | 16,917,000 | 17,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,918,000 | 3,833,000 | 5,791,000 | 7,750,000 |
| Interest expense | 280,000 | 564,000 | 851,000 | 1,137,000 |
| Net interest income | 1,638,000 | 3,269,000 | 4,940,000 | 6,613,000 |
| Noninterest income | 639,000 | 1,188,000 | 1,813,000 | 2,528,000 |
| Noninterest expense | 1,894,000 | 3,803,000 | 5,763,000 | 7,680,000 |
| Provision for loan losses | 2,000 | 35,000 | 243,000 | 377,000 |
| Pretax income | 381,000 | 619,000 | 754,000 | 1,098,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 381,000 | 619,000 | 754,000 | 1,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,374,000 | 14,577,000 | 14,674,000 | 14,839,000 |
| Total capital | 15,273,000 | 15,505,000 | 15,675,000 | 15,939,000 |
| Risk-weighted assets | 139,036,000 | 141,299,000 | 144,436,000 | 150,314,000 |