Call reports 2022
WEST CENTRAL BANK — 2022
What WEST CENTRAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 236,136,000 | 222,332,000 | 227,288,000 | 241,022,000 |
| Total loans | 138,089,000 | 143,301,000 | 154,159,000 | 164,598,000 |
| Allowance for loan losses | 1,157,000 | 1,083,000 | 1,143,000 | 1,196,000 |
| Securities available for sale | 61,619,000 | 62,703,000 | 59,829,000 | 58,436,000 |
| Securities held to maturity | 256,000 | 90,000 | 90,000 | 90,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,335,000 | 203,972,000 | 195,362,000 | 193,125,000 |
| Interest-bearing deposits | 154,250,000 | 151,016,000 | 144,986,000 | 137,424,000 |
| Noninterest-bearing deposits | 55,085,000 | 52,956,000 | 50,376,000 | 55,701,000 |
| Equity capital | 18,414,000 | 15,106,000 | 14,321,000 | 14,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,842,000 | 3,795,000 | 5,881,000 | 8,187,000 |
| Interest expense | 156,000 | 295,000 | 480,000 | 875,000 |
| Net interest income | 1,686,000 | 3,500,000 | 5,401,000 | 7,312,000 |
| Noninterest income | 633,000 | 1,286,000 | 1,953,000 | 2,713,000 |
| Noninterest expense | 1,823,000 | 3,688,000 | 5,646,000 | 7,399,000 |
| Provision for loan losses | 0 | 0 | 75,000 | 137,000 |
| Pretax income | 496,000 | 1,098,000 | 1,633,000 | 2,489,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 496,000 | 1,098,000 | 1,633,000 | 2,489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,965,000 | 21,397,000 | 21,871,000 | 22,226,000 |