Call reports 2015
WEST PLAINS BANK AND TRUST COMPANY — 2015
What WEST PLAINS BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 341,915,000 | 344,119,000 | 343,842,000 | 355,791,000 |
| Total loans | 214,082,000 | 218,830,000 | 225,051,000 | 234,218,000 |
| Allowance for loan losses | 2,455,000 | 2,569,000 | 2,670,000 | 2,777,000 |
| Securities available for sale | 97,180,000 | 93,894,000 | 88,840,000 | 85,596,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,797,000 | 279,263,000 | 276,033,000 | 287,778,000 |
| Interest-bearing deposits | 242,635,000 | 238,643,000 | 233,930,000 | 247,637,000 |
| Noninterest-bearing deposits | 40,162,000 | 40,620,000 | 42,103,000 | 40,141,000 |
| Equity capital | 37,077,000 | 36,621,000 | 37,871,000 | 39,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,087,000 | 6,270,000 | 9,499,000 | 12,856,000 |
| Interest expense | 242,000 | 464,000 | 682,000 | 896,000 |
| Net interest income | 2,845,000 | 5,806,000 | 8,817,000 | 11,960,000 |
| Noninterest income | 630,000 | 1,297,000 | 1,965,000 | 2,690,000 |
| Noninterest expense | 2,015,000 | 3,970,000 | 5,975,000 | 8,088,000 |
| Provision for loan losses | 30,000 | 118,000 | 193,000 | 281,000 |
| Pretax income | 1,430,000 | 3,015,000 | 4,564,000 | 6,231,000 |
| Income tax | 2,000 | 5,000 | 5,000 | 5,000 |
| Net income | 1,428,000 | 3,010,000 | 4,559,000 | 6,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,400,000 | 35,621,000 | 36,491,000 | 38,157,000 |
| Total capital | 37,855,000 | 38,190,000 | 39,161,000 | 40,934,000 |
| Risk-weighted assets | 246,198,000 | 234,743,000 | 241,034,000 | 261,210,000 |