Call reports 2011
WEST POINTE BANK — 2011
What WEST POINTE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 395,975,000 | 370,764,000 | 357,624,000 | 336,541,000 |
| Total loans | 327,963,000 | 318,405,000 | 290,770,000 | 281,167,000 |
| Allowance for loan losses | 12,291,000 | 12,857,000 | 13,454,000 | 11,760,000 |
| Securities available for sale | 33,824,000 | 37,287,000 | 40,106,000 | 40,381,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,915,000 | 305,966,000 | 296,343,000 | 273,845,000 |
| Interest-bearing deposits | 318,861,000 | 293,796,000 | 282,142,000 | 263,860,000 |
| Noninterest-bearing deposits | 11,054,000 | 12,170,000 | 14,201,000 | 9,985,000 |
| Equity capital | 38,552,000 | 39,752,000 | 40,946,000 | 41,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,903,000 | 9,596,000 | 14,053,000 | 18,171,000 |
| Interest expense | 1,313,000 | 2,566,000 | 3,726,000 | 4,743,000 |
| Net interest income | 3,590,000 | 7,030,000 | 10,327,000 | 13,428,000 |
| Noninterest income | 145,000 | 292,000 | 429,000 | 579,000 |
| Noninterest expense | 1,614,000 | 3,181,000 | 4,700,000 | 6,242,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,400,000 |
| Pretax income | 1,521,000 | 2,941,000 | 4,256,000 | 5,365,000 |
| Income tax | 498,000 | 963,000 | 1,384,000 | 1,725,000 |
| Net income | 1,023,000 | 1,978,000 | 2,872,000 | 3,640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,941,000 | 38,896,000 | 39,790,000 | 40,558,000 |
| Total capital | 41,871,000 | 42,685,000 | 43,287,000 | 43,913,000 |
| Risk-weighted assets | 306,026,000 | 294,046,000 | 269,588,000 | 259,999,000 |