Call reports 2008
WEST POINTE BANK — 2008
What WEST POINTE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 369,902,000 | 383,491,000 | 388,505,000 | 413,152,000 |
| Total loans | 334,956,000 | 348,754,000 | 353,379,000 | 375,756,000 |
| Allowance for loan losses | 4,661,000 | 4,781,000 | 4,587,000 | 6,045,000 |
| Securities available for sale | 25,404,000 | 25,670,000 | 25,941,000 | 26,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,043,000 | 302,661,000 | 300,135,000 | 333,969,000 |
| Interest-bearing deposits | 289,828,000 | 293,164,000 | 286,414,000 | 321,874,000 |
| Noninterest-bearing deposits | 9,215,000 | 9,497,000 | 13,721,000 | 12,095,000 |
| Equity capital | 32,714,000 | 33,161,000 | 33,925,000 | 33,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,978,000 | 11,665,000 | 17,304,000 | 22,760,000 |
| Interest expense | 3,644,000 | 6,915,000 | 10,059,000 | 13,100,000 |
| Net interest income | 2,334,000 | 4,750,000 | 7,245,000 | 9,660,000 |
| Noninterest income | 138,000 | 263,000 | 385,000 | 508,000 |
| Noninterest expense | 1,044,000 | 2,248,000 | 3,425,000 | 4,883,000 |
| Provision for loan losses | 120,000 | 240,000 | 385,000 | 2,415,000 |
| Pretax income | 1,308,000 | 2,525,000 | 3,820,000 | 2,870,000 |
| Income tax | 422,000 | 797,000 | 1,207,000 | 582,000 |
| Net income | 886,000 | 1,728,000 | 2,613,000 | 2,288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,354,000 | 33,146,000 | 33,831,000 | 33,189,000 |
| Total capital | 36,253,000 | 37,231,000 | 37,953,000 | 37,666,000 |
| Risk-weighted assets | 311,118,000 | 326,100,000 | 329,294,000 | 356,619,000 |