Call reports 2009
WEST POINTE BANK — 2009
What WEST POINTE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 427,248,000 | 446,684,000 | 458,583,000 | 461,572,000 |
| Total loans | 383,117,000 | 407,651,000 | 417,998,000 | 416,868,000 |
| Allowance for loan losses | 6,647,000 | 6,670,000 | 6,471,000 | 4,734,000 |
| Securities available for sale | 28,574,000 | 28,687,000 | 28,623,000 | 28,730,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,317,000 | 366,633,000 | 379,196,000 | 385,783,000 |
| Interest-bearing deposits | 336,115,000 | 353,062,000 | 363,856,000 | 364,924,000 |
| Noninterest-bearing deposits | 13,202,000 | 13,571,000 | 15,340,000 | 20,859,000 |
| Equity capital | 34,120,000 | 34,714,000 | 35,728,000 | 36,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,278,000 | 10,849,000 | 16,644,000 | 22,269,000 |
| Interest expense | 2,791,000 | 5,152,000 | 7,188,000 | 8,984,000 |
| Net interest income | 2,487,000 | 5,697,000 | 9,456,000 | 13,285,000 |
| Noninterest income | 150,000 | 302,000 | 454,000 | 612,000 |
| Noninterest expense | 1,200,000 | 2,872,000 | 4,443,000 | 5,508,000 |
| Provision for loan losses | 600,000 | 1,163,000 | 2,763,000 | 8,213,000 |
| Pretax income | 837,000 | 1,964,000 | 2,704,000 | 176,000 |
| Income tax | 236,000 | 586,000 | 783,000 | -313,000 |
| Net income | 601,000 | 1,378,000 | 1,921,000 | 489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,764,000 | 34,492,000 | 34,985,000 | 35,552,000 |
| Total capital | 38,320,000 | 39,314,000 | 39,948,000 | 40,286,000 |
| Risk-weighted assets | 362,386,000 | 383,880,000 | 395,530,000 | 390,321,000 |