Call reports 2003
WEST POINTE BANK — 2003
What WEST POINTE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 211,404,000 | 213,036,000 | 213,164,000 | 213,348,000 |
| Total loans | 191,789,000 | 193,989,000 | 194,330,000 | 193,435,000 |
| Allowance for loan losses | 3,050,000 | 3,170,000 | 3,315,000 | 3,506,000 |
| Securities available for sale | 10,662,000 | 11,272,000 | 11,289,000 | 12,241,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,420,000 | 161,529,000 | 158,615,000 | 163,366,000 |
| Interest-bearing deposits | 152,604,000 | 152,555,000 | 150,593,000 | 149,656,000 |
| Noninterest-bearing deposits | 9,816,000 | 8,974,000 | 8,022,000 | 13,710,000 |
| Equity capital | 15,364,000 | 16,205,000 | 16,736,000 | 17,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,848,000 | 5,764,000 | 8,638,000 | 11,472,000 |
| Interest expense | 1,264,000 | 2,529,000 | 3,743,000 | 4,847,000 |
| Net interest income | 1,584,000 | 3,235,000 | 4,895,000 | 6,625,000 |
| Noninterest income | 243,000 | 530,000 | 845,000 | 1,000,000 |
| Noninterest expense | 701,000 | 1,473,000 | 2,218,000 | 3,110,000 |
| Provision for loan losses | 120,000 | 240,000 | 385,000 | 580,000 |
| Pretax income | 1,006,000 | 2,052,000 | 3,137,000 | 3,935,000 |
| Income tax | 342,000 | 702,000 | 1,070,000 | 1,328,000 |
| Net income | 664,000 | 1,350,000 | 2,067,000 | 2,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,145,000 | 15,831,000 | 16,548,000 | 17,246,000 |
| Total capital | 17,319,000 | 18,033,000 | 18,790,000 | 19,493,000 |
| Risk-weighted assets | 173,072,000 | 175,209,000 | 178,319,000 | 178,472,000 |