Call reports 2007
WEST POINTE BANK — 2007
What WEST POINTE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 347,009,000 | 362,361,000 | 364,501,000 | 369,394,000 |
| Total loans | 309,247,000 | 324,065,000 | 329,570,000 | 333,909,000 |
| Allowance for loan losses | 4,370,000 | 4,490,000 | 4,608,000 | 4,541,000 |
| Securities available for sale | 23,518,000 | 23,401,000 | 23,964,000 | 23,866,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,919,000 | 295,621,000 | 296,591,000 | 284,875,000 |
| Interest-bearing deposits | 263,409,000 | 284,488,000 | 287,478,000 | 276,000,000 |
| Noninterest-bearing deposits | 17,510,000 | 11,133,000 | 9,113,000 | 8,875,000 |
| Equity capital | 28,651,000 | 29,433,000 | 30,672,000 | 31,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,991,000 | 12,255,000 | 18,742,000 | 25,181,000 |
| Interest expense | 3,537,000 | 7,302,000 | 11,269,000 | 15,207,000 |
| Net interest income | 2,454,000 | 4,953,000 | 7,473,000 | 9,974,000 |
| Noninterest income | 148,000 | 296,000 | 499,000 | 663,000 |
| Noninterest expense | 955,000 | 1,904,000 | 2,986,000 | 4,177,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,527,000 | 3,105,000 | 4,626,000 | 5,980,000 |
| Income tax | 514,000 | 1,066,000 | 1,589,000 | 2,044,000 |
| Net income | 1,013,000 | 2,039,000 | 3,037,000 | 3,936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,676,000 | 29,702,000 | 30,700,000 | 31,568,000 |
| Total capital | 32,279,000 | 33,477,000 | 34,498,000 | 35,434,000 |
| Risk-weighted assets | 287,494,000 | 301,248,000 | 303,010,000 | 308,629,000 |