Call reports 2018
WEST CENTRAL BANK — 2018
What WEST CENTRAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 195,429,000 | 193,549,000 | 187,084,000 | 187,053,000 |
| Total loans | 157,476,000 | 156,403,000 | 155,185,000 | 155,770,000 |
| Allowance for loan losses | 1,274,000 | 1,337,000 | 1,315,000 | 1,159,000 |
| Securities available for sale | 14,814,000 | 15,490,000 | 15,035,000 | 14,910,000 |
| Securities held to maturity | 865,000 | 648,000 | 648,000 | 648,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,513,000 | 173,558,000 | 166,957,000 | 163,524,000 |
| Interest-bearing deposits | 144,929,000 | 143,035,000 | 138,682,000 | 130,684,000 |
| Noninterest-bearing deposits | 30,584,000 | 30,523,000 | 28,275,000 | 32,840,000 |
| Equity capital | 18,169,000 | 18,390,000 | 18,561,000 | 18,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,961,000 | 3,972,000 | 5,995,000 | 8,085,000 |
| Interest expense | 258,000 | 525,000 | 793,000 | 1,063,000 |
| Net interest income | 1,703,000 | 3,447,000 | 5,202,000 | 7,022,000 |
| Noninterest income | 600,000 | 1,204,000 | 1,867,000 | 2,666,000 |
| Noninterest expense | 1,944,000 | 3,913,000 | 5,901,000 | 7,887,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 182,000 |
| Pretax income | 309,000 | 688,000 | 1,118,000 | 1,619,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 309,000 | 688,000 | 1,118,000 | 1,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,629,000 | 16,940,000 | 17,301,000 | 17,532,000 |
| Total capital | 17,903,000 | 18,277,000 | 18,616,000 | 18,691,000 |
| Risk-weighted assets | 150,774,000 | 148,947,000 | 147,073,000 | 146,470,000 |