Call reports 2016
WEST CENTRAL BANK — 2016
What WEST CENTRAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 197,513,000 | 193,296,000 | 192,900,000 | 194,642,000 |
| Total loans | 149,411,000 | 149,921,000 | 153,890,000 | 155,024,000 |
| Allowance for loan losses | 1,100,000 | 1,130,000 | 1,151,000 | 1,160,000 |
| Securities available for sale | 27,797,000 | 24,925,000 | 16,373,000 | 15,466,000 |
| Securities held to maturity | 1,070,000 | 1,070,000 | 1,070,000 | 1,070,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,917,000 | 172,890,000 | 173,413,000 | 175,571,000 |
| Interest-bearing deposits | 146,261,000 | 143,618,000 | 140,930,000 | 142,555,000 |
| Noninterest-bearing deposits | 28,656,000 | 29,272,000 | 32,483,000 | 33,016,000 |
| Equity capital | 17,479,000 | 17,856,000 | 18,004,000 | 17,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,905,000 | 3,809,000 | 5,710,000 | 7,624,000 |
| Interest expense | 275,000 | 547,000 | 793,000 | 1,029,000 |
| Net interest income | 1,630,000 | 3,262,000 | 4,917,000 | 6,595,000 |
| Noninterest income | 638,000 | 1,232,000 | 1,916,000 | 2,615,000 |
| Noninterest expense | 1,915,000 | 3,950,000 | 5,958,000 | 7,997,000 |
| Provision for loan losses | 144,000 | 159,000 | 205,000 | 229,000 |
| Pretax income | 243,000 | 451,000 | 766,000 | 1,080,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 243,000 | 451,000 | 766,000 | 1,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,066,000 | 15,268,000 | 15,547,000 | 15,606,000 |
| Total capital | 16,166,000 | 16,398,000 | 16,698,000 | 16,766,000 |
| Risk-weighted assets | 145,946,000 | 142,834,000 | 146,106,000 | 149,267,000 |