Call reports 2023
WEST CENTRAL BANK — 2023
What WEST CENTRAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 222,635,000 | 232,279,000 | 239,156,000 | 243,497,000 |
| Total loans | 155,074,000 | 164,258,000 | 170,731,000 | 178,226,000 |
| Allowance for loan losses | 1,236,000 | 1,194,000 | 1,199,000 | 1,107,000 |
| Securities available for sale | 57,149,000 | 55,227,000 | 52,082,000 | 51,961,000 |
| Securities held to maturity | 90,000 | 90,000 | 90,000 | 72,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,698,000 | 184,900,000 | 183,343,000 | 184,419,000 |
| Interest-bearing deposits | 137,020,000 | 133,569,000 | 134,153,000 | 132,954,000 |
| Noninterest-bearing deposits | 55,678,000 | 51,331,000 | 49,190,000 | 51,465,000 |
| Equity capital | 15,613,000 | 15,387,000 | 14,103,000 | 16,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,323,000 | 4,787,000 | 7,503,000 | 10,422,000 |
| Interest expense | 429,000 | 1,005,000 | 1,840,000 | 2,855,000 |
| Net interest income | 1,894,000 | 3,782,000 | 5,663,000 | 7,567,000 |
| Noninterest income | 649,000 | 1,130,000 | 1,931,000 | 2,633,000 |
| Noninterest expense | 1,795,000 | 3,608,000 | 5,408,000 | 7,374,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 748,000 | 1,304,000 | 2,138,000 | 2,736,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 748,000 | 1,304,000 | 2,138,000 | 2,736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,783,000 | 23,211,000 | 23,919,000 | 24,014,000 |