Call reports 2019
WEST CENTRAL BANK — 2019
What WEST CENTRAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 180,595,000 | 183,130,000 | 182,037,000 | 187,309,000 |
| Total loans | 151,746,000 | 151,285,000 | 149,394,000 | 145,057,000 |
| Allowance for loan losses | 933,000 | 977,000 | 945,000 | 942,000 |
| Securities available for sale | 14,473,000 | 14,374,000 | 14,139,000 | 13,327,000 |
| Securities held to maturity | 648,000 | 521,000 | 521,000 | 521,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,575,000 | 155,421,000 | 155,022,000 | 161,257,000 |
| Interest-bearing deposits | 126,420,000 | 123,471,000 | 125,077,000 | 124,198,000 |
| Noninterest-bearing deposits | 33,155,000 | 31,950,000 | 29,945,000 | 37,059,000 |
| Equity capital | 19,194,000 | 19,674,000 | 20,136,000 | 20,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,999,000 | 4,019,000 | 6,080,000 | 8,114,000 |
| Interest expense | 288,000 | 587,000 | 913,000 | 1,241,000 |
| Net interest income | 1,711,000 | 3,432,000 | 5,167,000 | 6,873,000 |
| Noninterest income | 524,000 | 1,128,000 | 1,777,000 | 2,616,000 |
| Noninterest expense | 1,861,000 | 3,729,000 | 5,565,000 | 7,361,000 |
| Provision for loan losses | 147,000 | 205,000 | 205,000 | 426,000 |
| Pretax income | 227,000 | 626,000 | 1,174,000 | 1,702,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 227,000 | 626,000 | 1,174,000 | 1,702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,723,000 | 18,053,000 | 18,489,000 | 18,758,000 |
| Total capital | 18,656,000 | 19,030,000 | 19,434,000 | 19,700,000 |
| Risk-weighted assets | 142,004,000 | 142,028,000 | 138,669,000 | 136,124,000 |