Call reports 2005
WEST POINTE BANK — 2005
What WEST POINTE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 241,969,000 | 266,807,000 | 269,580,000 | 283,646,000 |
| Total loans | 217,642,000 | 236,947,000 | 238,968,000 | 249,029,000 |
| Allowance for loan losses | 3,604,000 | 3,754,000 | 4,024,000 | 3,624,000 |
| Securities available for sale | 16,064,000 | 21,012,000 | 22,533,000 | 22,342,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,763,000 | 202,808,000 | 209,301,000 | 224,373,000 |
| Interest-bearing deposits | 168,774,000 | 188,476,000 | 194,676,000 | 211,046,000 |
| Noninterest-bearing deposits | 12,989,000 | 14,332,000 | 14,625,000 | 13,327,000 |
| Equity capital | 20,949,000 | 21,924,000 | 22,765,000 | 23,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,284,000 | 7,103,000 | 11,284,000 | 15,774,000 |
| Interest expense | 1,302,000 | 2,890,000 | 4,745,000 | 6,819,000 |
| Net interest income | 1,982,000 | 4,213,000 | 6,539,000 | 8,955,000 |
| Noninterest income | 145,000 | 299,000 | 482,000 | 638,000 |
| Noninterest expense | 770,000 | 1,645,000 | 2,547,000 | 3,523,000 |
| Provision for loan losses | 60,000 | 210,000 | 480,000 | 880,000 |
| Pretax income | 1,297,000 | 2,657,000 | 3,994,000 | 5,190,000 |
| Income tax | 447,000 | 908,000 | 1,352,000 | 1,740,000 |
| Net income | 850,000 | 1,749,000 | 2,642,000 | 3,450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,887,000 | 21,786,000 | 22,679,000 | 23,487,000 |
| Total capital | 23,445,000 | 24,525,000 | 25,486,000 | 26,407,000 |
| Risk-weighted assets | 203,614,000 | 218,092,000 | 223,384,000 | 232,924,000 |