Call reports 2010
WEST POINTE BANK — 2010
What WEST POINTE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 453,215,000 | 440,583,000 | 426,912,000 | 408,690,000 |
| Total loans | 406,913,000 | 392,906,000 | 382,001,000 | 358,321,000 |
| Allowance for loan losses | 5,628,000 | 6,121,000 | 13,200,000 | 12,102,000 |
| Securities available for sale | 31,969,000 | 33,144,000 | 30,823,000 | 32,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,329,000 | 370,277,000 | 359,046,000 | 339,799,000 |
| Interest-bearing deposits | 369,026,000 | 358,669,000 | 346,603,000 | 328,512,000 |
| Noninterest-bearing deposits | 14,303,000 | 11,608,000 | 12,443,000 | 11,287,000 |
| Equity capital | 37,415,000 | 38,391,000 | 35,845,000 | 37,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,681,000 | 11,318,000 | 16,889,000 | 22,192,000 |
| Interest expense | 1,588,000 | 3,155,000 | 4,641,000 | 6,037,000 |
| Net interest income | 4,093,000 | 8,163,000 | 12,248,000 | 16,155,000 |
| Noninterest income | 151,000 | 317,000 | 480,000 | 629,000 |
| Noninterest expense | 1,363,000 | 2,623,000 | 4,163,000 | 5,356,000 |
| Provision for loan losses | 1,050,000 | 1,600,000 | 9,287,000 | 9,287,000 |
| Pretax income | 1,831,000 | 4,257,000 | -722,000 | 2,141,000 |
| Income tax | 630,000 | 1,479,000 | -603,000 | 454,000 |
| Net income | 1,201,000 | 2,778,000 | -119,000 | 1,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,753,000 | 37,831,000 | 34,933,000 | 36,917,000 |
| Total capital | 41,316,000 | 42,253,000 | 39,235,000 | 41,083,000 |
| Risk-weighted assets | 363,965,000 | 352,077,000 | 335,255,000 | 325,383,000 |