Call reports 2012
WEST POINTE BANK — 2012
What WEST POINTE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 332,715,000 | 326,762,000 | 322,547,000 | 318,991,000 |
| Total loans | 279,193,000 | 278,061,000 | 277,622,000 | 266,194,000 |
| Allowance for loan losses | 12,107,000 | 12,262,000 | 12,563,000 | 11,372,000 |
| Securities available for sale | 39,886,000 | 36,134,000 | 33,061,000 | 34,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,222,000 | 262,880,000 | 257,713,000 | 258,037,000 |
| Interest-bearing deposits | 258,168,000 | 250,491,000 | 245,283,000 | 239,800,000 |
| Noninterest-bearing deposits | 12,054,000 | 12,389,000 | 12,430,000 | 18,237,000 |
| Equity capital | 42,473,000 | 43,593,000 | 44,507,000 | 44,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,834,000 | 7,639,000 | 11,382,000 | 14,495,000 |
| Interest expense | 889,000 | 1,698,000 | 2,430,000 | 3,120,000 |
| Net interest income | 2,945,000 | 5,941,000 | 8,952,000 | 11,375,000 |
| Noninterest income | 137,000 | 301,000 | 426,000 | 617,000 |
| Noninterest expense | 1,354,000 | 2,746,000 | 4,067,000 | 5,736,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,350,000 | 1,800,000 |
| Pretax income | 1,278,000 | 2,596,000 | 3,961,000 | 4,456,000 |
| Income tax | 411,000 | 833,000 | 1,275,000 | 1,387,000 |
| Net income | 867,000 | 1,763,000 | 2,686,000 | 3,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,425,000 | 42,321,000 | 43,244,000 | 43,627,000 |
| Total capital | 44,795,000 | 45,674,000 | 46,584,000 | 46,831,000 |
| Risk-weighted assets | 260,864,000 | 259,326,000 | 258,005,000 | 248,521,000 |