Call reports 2020
WEST CENTRAL BANK — 2020
What WEST CENTRAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 184,202,000 | 195,780,000 | 198,500,000 | 205,813,000 |
| Total loans | 145,551,000 | 148,223,000 | 148,078,000 | 143,783,000 |
| Allowance for loan losses | 871,000 | 1,180,000 | 1,243,000 | 1,330,000 |
| Securities available for sale | 14,632,000 | 18,815,000 | 27,718,000 | 31,082,000 |
| Securities held to maturity | 521,000 | 390,000 | 390,000 | 390,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,051,000 | 166,025,000 | 168,258,000 | 175,158,000 |
| Interest-bearing deposits | 124,185,000 | 126,085,000 | 129,644,000 | 131,765,000 |
| Noninterest-bearing deposits | 34,866,000 | 39,940,000 | 38,614,000 | 43,393,000 |
| Equity capital | 20,534,000 | 21,281,000 | 21,738,000 | 22,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,994,000 | 4,100,000 | 6,063,000 | 7,988,000 |
| Interest expense | 327,000 | 612,000 | 887,000 | 1,148,000 |
| Net interest income | 1,667,000 | 3,488,000 | 5,176,000 | 6,840,000 |
| Noninterest income | 673,000 | 1,301,000 | 2,088,000 | 2,999,000 |
| Noninterest expense | 1,758,000 | 3,482,000 | 5,243,000 | 7,118,000 |
| Provision for loan losses | 0 | 327,000 | 427,000 | 528,000 |
| Pretax income | 582,000 | 980,000 | 1,594,000 | 2,193,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 582,000 | 980,000 | 1,594,000 | 2,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,262,000 | 19,623,000 | 19,858,000 | 20,105,000 |