Call reports 2002
WEST POINTE BANK — 2002
What WEST POINTE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 165,702,000 | 171,471,000 | 184,898,000 | 195,415,000 |
| Total loans | 147,161,000 | 155,031,000 | 168,923,000 | 177,171,000 |
| Allowance for loan losses | 2,424,000 | 2,541,000 | 2,660,000 | 2,930,000 |
| Securities available for sale | 10,463,000 | 11,112,000 | 11,027,000 | 10,836,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,402,000 | 127,537,000 | 137,907,000 | 143,920,000 |
| Interest-bearing deposits | 116,841,000 | 119,306,000 | 129,082,000 | 133,658,000 |
| Noninterest-bearing deposits | 7,561,000 | 8,231,000 | 8,825,000 | 10,262,000 |
| Equity capital | 11,807,000 | 12,462,000 | 13,228,000 | 13,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,638,000 | 5,316,000 | 8,160,000 | 11,019,000 |
| Interest expense | 1,286,000 | 2,517,000 | 3,796,000 | 5,080,000 |
| Net interest income | 1,352,000 | 2,799,000 | 4,364,000 | 5,939,000 |
| Noninterest income | 133,000 | 252,000 | 452,000 | 706,000 |
| Noninterest expense | 593,000 | 1,244,000 | 1,859,000 | 2,591,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 630,000 |
| Pretax income | 772,000 | 1,567,000 | 2,597,000 | 3,424,000 |
| Income tax | 279,000 | 566,000 | 939,000 | 1,233,000 |
| Net income | 493,000 | 1,001,000 | 1,658,000 | 2,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,820,000 | 12,328,000 | 12,984,000 | 13,726,000 |
| Total capital | 13,409,000 | 13,969,000 | 14,789,000 | 15,699,000 |
| Risk-weighted assets | 126,268,000 | 130,922,000 | 143,484,000 | 156,901,000 |