Call reports 2025
WEST CENTRAL BANK — 2025
What WEST CENTRAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 247,382,000 | 246,098,000 | 247,931,000 | 246,489,000 |
| Total loans | 184,673,000 | 183,775,000 | 184,354,000 | 182,785,000 |
| Allowance for loan losses | 1,193,000 | 1,552,000 | 1,858,000 | 1,933,000 |
| Securities available for sale | 48,410,000 | 47,736,000 | 49,227,000 | 48,755,000 |
| Securities held to maturity | 54,000 | 54,000 | 36,000 | 36,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,803,000 | 203,430,000 | 204,456,000 | 208,196,000 |
| Interest-bearing deposits | 153,893,000 | 156,847,000 | 158,807,000 | 157,401,000 |
| Noninterest-bearing deposits | 47,910,000 | 46,583,000 | 45,649,000 | 50,795,000 |
| Equity capital | 19,287,000 | 19,700,000 | 22,034,000 | 22,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,241,000 | 6,534,000 | 9,856,000 | 13,215,000 |
| Interest expense | 1,029,000 | 2,037,000 | 3,062,000 | 4,040,000 |
| Net interest income | 2,212,000 | 4,497,000 | 6,794,000 | 9,175,000 |
| Noninterest income | 638,000 | 1,317,000 | 2,039,000 | 2,857,000 |
| Noninterest expense | 1,883,000 | 3,809,000 | 5,809,000 | 7,886,000 |
| Provision for loan losses | 30,000 | 430,000 | 1,065,000 | 1,485,000 |
| Pretax income | 935,000 | 1,546,000 | 1,920,000 | 2,622,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 935,000 | 1,546,000 | 1,920,000 | 2,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,345,000 | 26,634,000 | 26,825,000 | 26,848,000 |