Call reports 2024
WEST CENTRAL BANK — 2024
What WEST CENTRAL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 242,012,000 | 246,676,000 | 251,190,000 | 251,164,000 |
| Total loans | 178,495,000 | 183,343,000 | 185,875,000 | 189,225,000 |
| Allowance for loan losses | 1,096,000 | 851,000 | 1,180,000 | 1,318,000 |
| Securities available for sale | 51,051,000 | 50,724,000 | 51,793,000 | 48,272,000 |
| Securities held to maturity | 72,000 | 72,000 | 72,000 | 54,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,512,000 | 191,015,000 | 198,145,000 | 199,446,000 |
| Interest-bearing deposits | 142,536,000 | 144,900,000 | 152,756,000 | 151,201,000 |
| Noninterest-bearing deposits | 48,976,000 | 46,115,000 | 45,389,000 | 48,245,000 |
| Equity capital | 16,070,000 | 17,036,000 | 19,199,000 | 17,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,031,000 | 6,135,000 | 9,421,000 | 12,770,000 |
| Interest expense | 1,101,000 | 2,266,000 | 3,514,000 | 4,753,000 |
| Net interest income | 1,930,000 | 3,869,000 | 5,907,000 | 8,017,000 |
| Noninterest income | 636,000 | 1,297,000 | 1,677,000 | 2,861,000 |
| Noninterest expense | 1,923,000 | 3,726,000 | 5,426,000 | 7,601,000 |
| Provision for loan losses | 0 | 0 | 355,000 | 545,000 |
| Pretax income | 643,000 | 1,440,000 | 1,803,000 | 2,732,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 643,000 | 1,440,000 | 1,803,000 | 2,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,587,000 | 25,253,000 | 25,491,000 | 25,965,000 |